Guac is an FBO savings account and all the money transferred into your Guac account is required to settle in the account for 3 business days before it can be transferred out.  This is an industry standard for FBO savings accounts and serves as a security measure in order to prevent fraudulent transfers. 

Once the funds have settled in the account you can simply transfer them by following the attached instructions (see transfer.instructions).

Here are a couple of tips to help manage your Guac.  

You can always pause your fund so that Guac stops making automatic transfers. See attachment for instructions (fund.instructions)

Lastly, if you are concerned that you are saving too aggressively I would recommend you edit the rules of your Guac fund: 

Tap on your Guac fund > Tap edit in the top right corner > adjust the savings rules > tap save