I say this in my sig, but US banking sucks just because it's so slow. There's no technological reason for fund transfers to take days. There are more than enough ways for banks to do secure handshakes, validate funds availability, and complete transfers in 5 seconds. If it weren't possible, credit card networks wouldn't have been able to exist for these past what, 3 decades plus? Banks just choose to screw customers for the sake of "security", which is valid but actually mostly mitigable. These delays probably cost regular consumers and businesses billions of dollars a week on lost productivity while banks make millions on expedite fees, overdrafts, and NSF penalties.
But enough ranting... Sorry if I sound pissed (I am).
So far my DCU experience is exceptional because they put themselves at risk to provide immediate check deposits via mobile banking, far before they are given confirmation by my other bank. The app OCRs the handwriting on my check, I press deposit, and a few minutes later my money's available to transfer out, make payments, etc. (even at 3AM)
They also have a free P2P function that transfers funds to my other bank accounts in 1 business day instead of 3-5, or instantly to my Paypal Wallet where I can again transfer to my bank account in 1 business day.
So... kudos to DCU for doing whatever they can to make deposits and fund transfers quick and painless. I also appreciate the 5.12% APY for share savings, which is pretty much a no-risk $50/yr.
Does your bank or CU do something similar, like trust you? I'd like to know so I could bank with them (sooner or later). Thanks!!
Starting Scores: No Scores (03/2018)
USAA's $15 ATM reimbursement sounds awesome as well. That'll totally make things easier to bank with them. It also looks like they have a forum where CSRs actively try to solve complaints? That's just wow. I'm impressed!
Do you remember if they did a Chex/other CRA pull?
My wife and I maintain 5 basic checking accounts - 3 credit unions and two banks. Our primary checking accounts are DCU and Capital One (used to be Chevy Chase Bank before Cap-1 bought CC). Cap-1 has a lot of local branches and ATM's everywhere I get a small amount of interest on my checking account every month (very small) but no fees on the checking account and generally instant access to deposits (they might hold 50% of a paper check for 24 hours, but almost all of my deposits are either cash or direct deposits.
DCU is great, everything you said except the interbank transfers. 1 day = $10 fee, 3 business days are free. Then again most banks (at least the ones I use including CU's) offer no fee no hold scanned or image check deposits using your phone or email portal and you can always use this option by writing DCU a check from Capital One (image deposit) or NFCU to Capital One, etc if you want to beat the interbank transfer.
Financial institutions including Credit Unions do make a lot of money on fees, but they also make money on "overnight funds" including taking 24-48 hours to credit your credit card payment. I understand hating $39 NSF fees and $5 to use an actual teller or $4.99 to use an out of network ATM, but most of us want our services to be either free or low cost and as long as the bank is healthy we benefit not being charged $15 a month for our checking accounts etc.
I do agree that Credit Unions offer as good if not better service with lower fees - I also can't believe I'm defending Cap-1 
Haha, yeah I didn't think CapOne would take risks for customer convenience, but I guess they do!
Regarding DCU, CashEdge has a fee but PeoplePay doesn't, and you can send to your other bank regardless of PeoplePay support there. It's how I get around new member restrictions at MACU and PenFed (transfer in with PeoplePay, transfer out with Paypal).
First Hawaiian Bank and Discover Bank don't make funds available till next-day, not sure about MACU and PenFed as I'm still on probation.
P.S. I applied for USAA checking but didn't realize they stopped taking non-military customers. Got denied with no hard feelings. 
@Cookiegrabber wrote:
Does your bank or CU do something similar, like trust you? I'd like to know so I could bank with them (sooner or later). Thanks!!
I really like my CU (Golden 1 CU in California) for the exact reasons you stated. I get near instant access to photo deposits, and get my payroll DD funds available a full day early. I can't remember the last time I had a fee for anything. When I went through my BK I never heard a peep from them, they called to ask if I was reaffirming my auto loan (which I did) but never even sent formal paperwork for it. When I was in financial straits prior to my BK, they courtesy payed more than a few checks, and even waived the fee a couple times.
My 3% cash back Visa rewards are auto deposited into my savings every month. Rates are better than any of the local banks. I actually do feel like they trust me. I never hear from them marketing-wise, they are just there when I need them with no hassle. Nice 
Man, that sounds pretty much perfect! I can only hope the places I bank with decide to help me out when every little bit counts.
