Zecco is 3 days on ACH. Right away on a wire transfer. *For stocks and ETFs priced under $1.00, online trades are $6.95. Anything over a $1.00 is 4.95. I will speak for their trading board, it is excellent. The just fixed all the gliches it had on their upgrade. They got rid of Penson and are now using Apex Clearing. Improvement!