system
A chat on subreddit /r/wallstreetbets
human
People like you ruin it for the rest of us when we try to make hasty deposits with money that actually exists and the slow ass banking system is taking its time.
gpt
Wire transfer is your friend.  Some brokerages do it for free.  But be a trader or they’ll shut that account down for misuse of a perk.  Also, if you are a client in good standing, your EFT transfer is made Available To Trade.  But if you sell before the deposit clears without suitable cash or margin reserves, it’s a Good Faith Violation, essentially a warning not to use brokerage money without paying interest.  Rules vary on how many of those you get without penalty in a 12 month period.