i have never fully read the terms of the bank account contract, but i would beT they ahve to give you your money on demand, probably some federal reg. . i think. like, unless they were just robbed or there’s some act f god. . dont’ t hey ahve some moneys in another branch they could ship over? maybe they shoudl pay interest on the tme between your requets and delivery . plus a transaction fee (3% sounds about standard for the industry0.