Hi Josh, first of all - welcome to the forum 
Sorry to hear you’re experiencing issues funding your account and for the delayed response. We’re still pretty busy right now after a surge in new customers, but are making good progress in catching up on messages.
Usually, cash takes a couple of hours to arrive.
Very occasionally, and unfortunately, there can be a delay in cash reaching your account, for a variety of reasons.
If it helps, Apple Pay/Google Pay are instant.
We can’t access your customer information here, so could you please send us an email at hello@freetrade.io, and we’ll check it out? 