[a3n]

The other day I took a picture of a check that I received, with their phone app. They credited the check to my account immediately. Not "pending," it was in there with no unusual note. I assume it would have been on me in some way if the check bounced, but still.

If you're eligible, you should join USAA.

[guac]

That's standard practice with USAA. My first few checks had a pending status but after that (100s of checks later) they all posted immediately. Same thing happened when I signed up my wife. It's a selling point of USAA.

My paycheck also posts immediately, I get "paid" Thursday while everyone else I work with gets it Friday.

[MichaelGG]

Hah and with Wells Fargo, a check from one account to another will take a day or two. Online transfers take up to three.