I recently moved sizeable funds trying to take advantage of higher cd rates. I made a wire transfer, specifically asking about the time it would take, etc. My local bank basically "sat" on the wire transfer because, I found out later, they had no one available high enough to approve the transfer of the size of funds. This has happened to us at several other banks also in the past. This time they almost cost us 10k (as I see it anyway). Is this that common? Vanguard even took about three times longer than usual transferring our funds.