I agree with Digi, in the US only electronic payment methods are allowed so there is no wait for funds to clear with bank deposit.

If they reduced it to 2 days here there would be a lot of unhappy buyers and sellers if bank deposit was offered.

I do state on some of my listings to get in touch if they are not paying with Paypal within 4 days so I can exempt them from the unpaid item process and most who are usig bank deposit do so.