You would think so, right? Same thing when you deposit a check (even a local one) and they place a "hold" on your account until it "clears". It pretty much clears as soon as they scan it, but I think some of their rules are a hold over from the days when checks were physically sent to the issuing bank for payment.I want to know why is it that they can take the money instantaneously, but it takes 3-5 days to put it back? That makes no sense. They get paid right away, but the customer has to wait for a refund, I though all this electronic crap was going to make it faster and easier.