What's the longest you've waited for a "near instant"' deposit and what explanation did you get?

Getting real tired of crypto services advertising instant deposits then hitting you with the fine print just tried to fund my wallet and it said "instant bank deposit" in bold. Meanwhile been sitting here for 45 minutes watching pending status, opened chat support and got told processing times may vary 1-3 business days depending on your bank. Cool, so instant means 3 days now apparently

Getting funds OUT is instant when they want their fees but getting funds IN is always some mysterious delay.

Are we just accepting that instant means whenever they feel like it at this point?