Discover ACH available same day!

Anonymous · ‎10-27-2018

I did an ACH push from Discover to Chase earlier this week early in the morning. That evening, I got the direct deposit email from Chase and surely enough, it was in my available balance. They're giving Zelle a run for its money!

rprisco · ‎10-28-2018

Yup, same here made multiple ECH from disco checking to my US Bank checking,
Highest ACH so far was 6k, all available by 5-5:30pm on same day. Btw, I made requests at 6am eastern time. So yes, DISCOVER does super fast ACH.

Current Scores as of 8/18/17 all FICO 8 EQ: 695 EX: 673 *fico2 699 TU:645 bio has more.

Anonymous · ‎10-28-2018

Not too long ago, they were super slow. I closed my Discover bank accounts and moved to Alliant because Discover was so slow with the ACHs.

Anonymous · ‎10-28-2018

@Anonymous wrote:
Not too long ago, they were super slow. I closed my Discover bank accounts and moved to Alliant because Discover was so slow with the ACHs.

That is exactly what I did! Too slow.

Anonymous · ‎10-28-2018

I still have not closed mine yet but they were definitely too slow just not too long ago, they must have read the previous thread lol. Have you guys tried ACH pull? My incoming funds were being held for 5 days before becoming available.

Green456 · ‎10-29-2018

Still takes a long time to transfer into Discover account.

rprisco · ‎10-29-2018

Still takes awhile for ach deposits and mobile check deposits.

Regarding Alliant, I have checking and savings but have not tried the ACH with them. How are the processing times at Alliant?

Current Scores as of 8/18/17 all FICO 8 EQ: 695 EX: 673 *fico2 699 TU:645 bio has more.

Anonymous · ‎10-29-2018

@rprisco wrote:
How are the processing times at Alliant?

One day for me typically.

Anonymous · ‎10-29-2018

I asked them via secure message and they are saying 5 days :

Thank you for your message and business with Discover Bank. I understand your concern about your ACH transfer and I will be happy to assist you.

ACH transfers to or from an external bank account that are initiated from our website or service will be completed within five business days.

If you have additional questions, click on the Help section of the Account Center, reply to this message or call us at 1-800-347-7000. Our 100% U.S.-based customer service team is available 24 hours a day, 7 days a week.

Thank you for choosing Discover.

Anonymous · ‎10-30-2018

@Anonymous wrote:
I still have not closed mine yet but they were definitely too slow just not too long ago, they must have read the previous thread lol. Have you guys tried ACH pull? My incoming funds were being held for 5 days before becoming available.

Pulls are still slow as snot (Though if you're just pulling to savings, it is earning interest during the 5 day hold), but I haven't tried pushing to checking. Since my direct deposit to them has been available immediately I would hope it's similar.