I think it's time you have a seat with your Commercial Banker and try to determine what the delay is here. Explain the need for you to have the money in your account within 48 hours - guaranteed - to pay vendors, contractors, etc... I don't believe for a moment the hold is due to financial gain (in other words, to invest your money and earn something off of it, or to gain through OD fees). I think there is something else at work and you need to sit down with your banker and figure it out.
Moreover, I think it would be a better idea to truly setup a commercial account if one isn't setup already. I would also consider a line from the bank as well so that your account doesn't go into the red, and that you pay your line with deposits. As a commercial client, you ought to be paying analysis fees, not OD fees. It may also be cheaper to pay interest on a line, than OD fees at this point. Consult an accountant for the best course of action.