I have a credit card company that when I make an online electronic payment does not "post" the payment until Midnight of the next day if I make the "electronic payment" after 3PM EST, and they don't make the funds available until the day after that. To my own logical way of thinking, this is absurd! It seems to me that an electronic transaction should move the funds instantaneously from one account to another with no PHONEY delays. Someone with banking knowledge please explain this system to me. Thank you.