I have Goldman Sachs "Marcus" and Ally. I've also had Synchrony.
Of them, I think I still like Marcus the best.
- When you transfer in, it shows up on the first day of the transfer, but is not available for ~3 business days.
- When you transfer out, it can hit your bank the next day after the transfer - this is clutch!
With Ally
- When you transfer in, it doesn't "show up" until it's available, which is 3 business days after it leaves your other account
- When you transfer out, it doesn't land in your other account until 3 days after it leaves your Ally account
The rates are all pretty close to each other, increasing alongside the Fed rate.
I currently have my money with Ally to try to get a 1% bonus - unfortunately I think I'll have about $6000 through the promotional period, or about $60. I may move back to GS Marcus after that. I'm not sure yet.