Penfed - Worst in ACH, ACU - Best of the best. List your exp if you dealt with these banks or others

[Krish]

Like the title says,

 

Penfed is the worst. They hold every ACH transfer incoming or outgoing for at least 2 days. Several times the incoming ACH shows processing for days...

 

ACU - amazingly fast and literally no hold.

 

What are your experiences?

[MP80]

All my credit union ACH transfers require a freeze period of about two days. PenFed has been doing a much better job of offering auto and personal loans since last year. However, their most objectionable move was changing the cash advance limit from 100% to 20% of the credit limit.

 

Naval Federal Credit Union canceled the ability to top up Go prepaid cards using its Naval Federal Credit Card, which is disastrous for many who cannot access the maximum credit limit ($80,000) for free cash advances.

[hegemony]

chase is the best IME if we're talking speed.