[sokoloff]

I can wire money out of my Vanguard (mutual funds) account before 4 PM today and it will be in receiving bank tomorrow mid-day.

I can withdraw money from my ETrade or IB margin accounts using the debit card that came with those accounts (or write a check on them), same as you can with a savings account.

I do keep a few thousand at a local bank and have a separate checking account at USAA that I use for most daily/monthly transactions, but that's for convenience not access/liquidity reasons.