My hot take is that this is a new service, so none of the accounts have much of a history. Algorithms in place could reasonably impose extra checks on large wi

My hot take is that this is a new service, so none of the accounts have much of a history. Algorithms in place could reasonably impose extra checks on large withdrawals from new accounts. What's more, I could speculate that Goldman Sachs' limited experience with mainstream retail banking could lead to delays of this sort, where they lack a statistical universe to identify exceptional usage (transactions large percentage of balance) as legitimate. FWIW, I have a tiny amount of money in an Apple Savings account; I have deposited funds and withdrawn a bit exactly one time each. No unusual delay, but it's not exactly an account I intend to use like checking.