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I made a 5K EFT on Jan 16 00:10 that said accepted. I then made another 5K EFT on Jan 18 04:08 and it said "cancel" then quickly switched to "pending". However, my Jan 16 00:10 one switched back to "pending" from "accepted" as of a few hours ago. I think that "pending" transfers are those that have been sent to the 3rd party processor, but have not been put in the bank account yet. I really don't know how long to expect to wait for these two EFTs.

I also requested a NETeller card (I had never gotten one because I always just EFTed money out) and I'll use that to do 1K a day until I can get my whole balance out.