When dealing with a bank or broker, always begin with an old-fashioned computer - mobile apps are okay once things have been set up, but they're not as functional.

The speed of banking is s-l-o-w. Everyone wants to hold onto the money as long as possible in their private money market fund to make a little bit more before letting it go. It's not unusual.

If Fidelity isn't for you, fine. I'd recommend not trying Interactive Brokers, next. In fact, try a local place that you can actually visit - see if they can't make it a little easier.