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Has anyone ever explained that redundancy is not a form of security. I fail to understand why,in a system that is mainly automated, something like an eft takes ages to clear, poor service really, excuses do not suffice and not a single clear/satisfactory explanation as to why.And as for "a person can 'pay' for instant clearance," congratulations on making banking a pay to win experience. force to pay for basic services they should already be receiving and with hold funds for some prerogative, the consultant at your bank was at least frank and honest when she suggested that if I require better service I should consider banking with a different institution. ... View more