That's what I'm thinking too. Funny thing about ACH is how outdated it is. Early 70s if I'm not mistaken. ACH Blo's sometimes takes nearly 2weeks to clear when long holiday weekends come up. So wire is the only way to go for quickness, of course there's an extra bank fee of $30 or more from the funding bank to do the wire but as the saying goes "you gotta pay if you wanna play" and when funding non marginal accounts for risky OTCs --So it goes..