Less fraud equal lower fees. Works for me. But your 44 comment was not my experience so I looked it up. it is 4 days if sending back to the same back in which you sent funds. I just pulled this from the IB website "Only available for US currency deposits from an account held in your name at a US bank that allows ACH deposits. Funds may be withdrawn after the four day credit hold. If funds are withdrawn to a bank other than the originating bank via ACH, a 44-business-day withdrawal hold period will be applied."
That's a welcome change, maybe they listened to my rants after all! It could also be that they just don't follow their own published guidance (https://www.reddit.com/r/investing/comments/4rvc8g/interactive_brokers_40_days_hold_on_ach_funds/), wouldn't be the first time they abdicate all responsibility to "the algorithm" that seems to control everything at IB.