> USAA and Fidelity are two I've used that don't delay ACH transfers, those have always cleared ACH transfers next day. This is because they are crediting you

> USAA and Fidelity are two I've used that don't delay ACH transfers, those have always cleared ACH transfers next day. This is because they are crediting you the money before they actually have it confirmed. See my reply below to GP, they are doing this because they are more risk tolerant and/or you are a less risky customer.