I had issues with PNC holding my instant payments for 3 days if I used instant pay or Lyft’s express pay more than twice a week or 10 times in a month. Had PNC explain this is what “any Visa processing bank does.” I found out that’s not true.
I got a GoBank card to send my instant payments to and have had no problems whatsoever with them.
I still have to be careful how often I use Lyft’s express pay that still goes to my PNC card. Lyft won’t let me send express pay to GoBank. I don’t know if that is Lyft’s fault or if it is rejected by GoBank.