Sorry,l am old school!!! Owning a Business, I want to deposit the previous days money, I want to get a slip immediately! Same for Direct deposit, EFT out to companies! You will be locked into that bank as it is a bitch to get a new account and to have the EFT out (payment) switched over!
I like to see the result ASAP!!!

There are slip ups on timeing that will hold a EFT with your deposit and it can and does screww up you payouts then you oay a penalty!!
Try a debit card if they are late getting it transfered!!! OOOPS, no money in account!