I just kicked Bank of America to the curb, finally, after over 30 years. We started with C&S, bought by NationsBank, then became BofA. One of the factors was that they managed to sit on ACH transactions for totally unreasonable numbers of days. So when I hear these online banks doing 1 day transfers, it only confirms the move. The other thing is that if you couldn't do something online, and you had to talk to someone, it was a federal case. On the phone, or in person, you waited. Then they didn't know how to do it, or didn't have the authority. I'm always peeved at having to sit there while they fiddle with their system, have to ask someone how to get something done, getting an error, calling their help desk. REALLY?
So now I joined a credit union brick and mortar one mile from my house, and they know my name. They still sometimes struggle with their computer, but not quite as bad.
But to get back to why I'm posting, with online banks, if they have an online system that lets you do everything you need to do without having to talk to someone, then you're golden, or at least think you are. But the first time you need to do something that's not part of a web process, that's when you're going to find out if you love or hate your online bank.