To expand on this, Robinhood offers instant gratification as well without requiring a wire transfer. They have "instant deposit" limits that allow you to start

To expand on this, Robinhood offers instant gratification as well without requiring a wire transfer. They have "instant deposit" limits that allow you to start an ACH xfer and use the money to buy options/stock within a few seconds. Most brokerages require the multi-day ACH settling period before you can trade.