> If I sell stock through my stockbroker, I can have funds in a bank account within hours What brokerage are you using that ignores days-long settlement times?

> If I sell stock through my stockbroker, I can have funds in a bank account within hours What brokerage are you using that ignores days-long settlement times? The only way you're actually getting this is a margin account in the background, and that comes with its own risks and limitations. And even then, it takes days for ACH to clear, or fees for wires or debit deposit.