HSBC online

Be careful, very careful.
A request to ACH money from my HSBC online banking to my Citi account on a Wednesday could take up to 6 days maybe 7. Reason being HSBC does not count day transfer was initiated, Saturday is a day off, Sunday is a Day off and Monday could be a holiday.
While a 3000 dollar transfer is hardy no interest try transferring 80K or more.

Same holds for transferring into HSBC online. Money is pulled out of your account same or next day and doesn't show up on books of HSBC online for can you say at least 3 days depending on weekends and holidays.

Emigrant Savings does transfer in a day. So does out Treasury Department.
So what's up with HSBC online?
Can you say theft of your interest earning dollars? Or very sloppy accounting.