Jenius savings, as per phone 1) 5 business days hold on all incoming - regardless - pull or push 2) up to 4 external accounts 3) transfer limits 50k out / 250K in 4) no plans to offer checking or certificates, at this time 5) 24/7 phone support ----------- Note: Janius Deposit Account Agreement Initiated Through Another Bank Funds will generally be available on the next Business Day after the day the ACH transfer is received by us but may be available earlier, depending on the type of ACH transfer. Initiated Through Us from a Linked External Account Funds will generally be available on the fifth Business Day after the day the ACH Transfer posts to your Account.

Opened a savings account on Tuesday morning, micro deposits linking accounts were on my external account the next day and I immediately initiated a transfer to fund the new account. I initiated the deposit from Chase to Jenius and the next day it shows as available balance and current balance. Customer service has been a charm, very polite and friendly. I was told there would be a hold for 5 days on incoming funds but since I pushed instead of pulled the funds, there is no hold. I will initiate a transfer out next week and see how that goes. So far all is very good ! Please note that Chase bank is much quicker than some other banks at transfers in and out. Also, after talking with customer service, there is a 24 hour hold on incoming funds pushed from an external bank. 5 days if pulled. Always best to transfer funds on a Monday or Tuesday morning early as possible so you don’t run into the weekend. I usually initiate transfers at 5:00 in the morning on Mondays.

I was a bit nervous to invest with this bank, being a bit on the new side, though their parent company has been around for about 100 years. Regardless, I was looking for a great online savings account rate protected by FDIC. When I opened this account in Jan 2024 it was at 5.10% APY , It has since moved up to 5.25% APY. After doing the initial application I was a little nervous, as I did not hear back from them instantaneously of either a denial oran approval. A few days later I received a call from one of the representatives to verify all of my information. While it is great having an online bank with a great rate and no fees, it was still nice to hear a human's voice. After that call, they opted for the 2 small deposits in my account at USAA and then I verified those amounts and then I put in the transfer. It took a day or two and all has been well. I have since transferred some additional funds into the account and have had no issues. I can't say as to the transfer from Jenius back to my home bank of USAA, but I don't foresee any issues. I love USAA for a multiple of reasons and I'm thankful I have the opportunity to utilize their services on multiple platforms, but at the end of the day I need my $$ to make $$.

A Simple savings account with a good rate. I go to a full service branch bank for my main checking account and link to a bank with a high rate saving account. This bank seems to have a successful loan product, which means they will likely stay top of market with their savings rate to fund that portfolio. Reasonable transfer limits with 24/7 call center. That is all I need out of a savings bank. Rate, Service, Easy Money Movement. They dont have their mobile app yet, but for those that know to save the url as a widget on their phone, it looks and works just like an app.

DepositAccounts led me to this due to 5.1% savings account rate. I do a little better right now at Raisin.com. The website was extremely friendly and actively encouraged calling them 24/7. I ended up calling to verify that accounts are for personal accounts only, no business accounts.