> I want to deposit money in brokerage accounts in real time.

My broker credits me for deposits immediately, switch brokers.

> I want to pay off a credit card and have that payment clear instantly.

Why? There is zero benefit to doing this, a credit card payment is applied to the account on the day you choose to pay it, whether it is removed from your checking account or not. I guess I could see if you are constantly over drafting your account, but you could just .. keep cash in the account so you don’t overdraft.

I leave enough money in my checking account to cover all auto paid bills for at least 30 days just in case I end up in the hospital or something.