I have Ally Bank for checking and savings with direct deposit from my work paycheck. My paycheck gets deposited the morning of payday and ACH take 3 business days. I like Ally, but other banks are offering direct deposits up to 2 days early, and I heard 3 business days ACH is how Ally's 3rd party makes money on the transaction (1-2 day float). I asked Ally and they said once they receive the money my paycheck is direct deposited and they don't hold the money, but that contradicts what my wife is saying, that her co-workers receive direct deposit 1 day early. I'm wonder if anyone switched from Ally and found a better bank.