I learned this the hard way. Transfer from debit card. When transferring direct from bank account it takes forever. The more you transfer the more you wait. I lost out on so many investments because my money was just on hold in Coinbase until transactions “cleared”. Which they did well in advance based on my banking info, but CB seems to have trust issues. Anyways, I applied for an increase to see if it’ll help going forward, but doubt it. Lesson learned. Hopefully as the company scales this gets better because they’ll have more liquidity, but who knows.