Hacker News Reader

It might be an issue with your non-Apple/GS bank? Bank-to-bank ACH transfers are an interesting and sometimes convoluted process and some banks are slower at it than others. (Anecdotally, my deposits in the Apple Savings account from a checking account at my other bank seem to apply effectively immediately.)

The ACH transaction goes in the morning or evening batch file and that should be that.

Malleability in funds availability is just business logic of the credit union or bank after that, not a slowdown in the ACH system.

Deposits from Chase via ACH happen overnight for me and are available for withdrawal pretty much as soon as they land in Apple Savings.

Mine was with Wells Fargo - trying to get automated withdrawals from Apple Savings to Wells.

I decided to try again today, we'll see.

American Express Savings also takes one full week to complete manually-initiated deposits into their savings accounts.