If I transfer $200 from my bank into my trading acct. that money is available "instantly" to use in buying stock. HOWEVER if I want to transfer an amount larger than that - even $5,000 or $10,000 - I have to wait anywhere from 5 to 7 days before I can buy stock with that deposit. And yes, I can make several $200 deposits into my trading account several times during the same day and all of those separate deposits are instantly available for me to buy stock. Oh..and the trading platform that allows me to do that is "E-trade." I don't know if anyone else has discovered that technique or not..but it surely works for me. And no...I'm not putting in a promotional plug to use E-trade. Just telling you what I use and how I use it -- successfully.