Creating a Gemini account took only a couple of days. Had to send pics of myself and my license etc.
after that you can do bank transfers of $500 every 24 hours up to $15000 per month which are usable immediately to buy ehtereum or bitcoin. These transfers are “confirmed” days later by email, but I do them daily and use the money immediately to buy bitcoin.
Wire transfers are needed for anything over 500$ per day or over $15000 per month. These wire transfers only take an hour or so. Just did one today.
Gemini only supports btc and ether. I transfer my btc to Bittrex to buy altcoins. That transfer takes about 5-10 minutes usually.
Getting a deposit account is easy at Gemini. After one ACH Gemini bumped me up to unlimited domestic wire transfers. I wired quite a bit and bought ETHs and XBTs. But Gemini makes it hard to transfer out. You have to go through KYC and AML procedures. I did and can transfers to other exchanges now o.k.