You cannot use money trfd with immediate clearance

Today i phoned std bank to increase my eap limit on my business account as usual this time of the month. The first attemt took 45 minutes after which the agent said that the increase was approved. After 30 minutes the eap limit was still the same. I phoned again and after 30 minutes the lady informed me that they could not increase the limit because the eft funds has to be in my account for 7 days. So i now have money in my account that was transferred from a financial institution WITH IMMEDIATE CLEARANCE BUT I CANNOT USE IT. HOW DO YOU RUN A BUSINESS LIKE THAT. tomorrow when i cannot pay my workers i will explain it to them and they can go and get their money from the bank. Good luck