I just moved to Schwab from TD Ameritrade for my brokerage and IRA. Wells Fargo and Ally for my checking & savings. Schwab is darn good but you have to submit a form to set up interbank ACH transfers. The really odd thing is that the Schwab brokerage can do ACH and I can transfer the money into my Schwab checking immediately. I sent a suggestion to them. We shall see.