Which Bank/CU do you use for your Hub account for fastest ACH outgoing transfers?

[butterpecan]

I have been with BofA for over a decade as my daily driver and feel like my ACH transfers could stand to be faster. I see better results when I push out funds using Paypal with my accounts linked in my paypal portal using paypal as the HUB. No fee is involved because I don't select instant via debit card, I select 1-3 business days via checking acct. but it actually only takes 1 business day with this route.

BofA for me is taking 2-3 days to push the same money to the same receiver FI (NFCU, DCU and BCU for example).

What main FI do you use that allows for a faster result? I really don't like using a "monkey in the middle" method like this with Paypal.  

[DakotaM]

I like using Affinity FCU as a hub because pulls from other institutions to Affinity only take a day at most seemingly no matter who the partner institution is. They will actually be same day pulls if I remember to get it it in before their 4:30pm or so cutoff.

I pay less attention to pushes from Affinity to elsewhere, but they also seem quick and I really don't recall waiting more than a day for funds to show up at the transfer partner. 

[creditfan]

in my case, I use BCU, ACH push same day. However, it only allows up to 5 external accounts.

The most fastest I see is 1 day. Alliant CU is used to be but not sure about it now

[Bill77]

Agree with Affinity FCU. Fastest bank I've used.

[butterpecan]

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@Bill77 wrote:

Agree with Affinity FCU. Fastest bank I've used.

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@Bill77 Great, thank you. I am a member already for credit products but never utilized them otherwise. I appreciate the input. 

[Rogue46]

I use DCU as my main bank and push transfers over to my other account at Chase, 99% of the time I see the funds next day 

[butterpecan]

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@Rogue46 wrote:

I use DCU as my main bank and push transfers over to my other account at Chase, 99% of the time I see the funds next day 

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@Rogue46 Thanks. It seems crazy to me my BofA is taking so long ever since they discontinued the fee. I belong to DCU but have not used my checking account there ever. 

[butterpecan]

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@Rogue46 wrote:

I use DCU as my main bank and push transfers over to my other account at Chase, 99% of the time I see the funds next day 

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@Rogue46 I belong to DCU as well but I've never used then for banking just credit. As for Chase, the the closest thing to them I have is BofA. Are they similar? I see they have a nice SUB as does Wells Fargo. 

[butterpecan]

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@DakotaM wrote:

I like using Affinity FCU as a hub because pulls from other institutions to Affinity only take a day at most seemingly no matter who the partner institution is. They will actually be same day pulls if I remember to get it it in before their 4:30pm or so cutoff.

I pay less attention to pushes from Affinity to elsewhere, but they also seem quick and I really don't recall waiting more than a day for funds to show up at the transfer partner. 

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@DakotaM Affinity has a lot of votes on this forum from what I have seen. I had an auto loan through them back in 2016 and they were the lowest APR we could find using RateGenius at the time. I do like their customer service. Thanks for the data on ACH pulls. 

[AndySoCal]

@butterpecan  Discover Bank the lack of fees most banks charge they do not on checking . The debit card gives you 1% cash back. 24/7 US based customer service.  The only slight drawback is on the push to another FI can vary in how long it takes depending on amount of the push.