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Make Bank feeds 'Live' - I can't wait up to 5 days and have to post receipts manually.

I was disappointed today when setting up Bank feeds to learn that it was not a live feature and can take up to 5 working days for transactions to show. We have to post bank receipts twice daily due to credit customers paying late, being on stop and wanting a new order delivered. These orders cannot be delivered until the payment is received on our system. We currently manually import bank statements every morning, but if the bank feed was 'live' and could just be refreshed as and when, this would be ideal and save so much time and to be honest I don't understand why this isn't a feature. Also as someone else mentioned, a debit and credit column on bank feeds would also be useful.