I'm loving Discover.
I have had a discover card for 16 years (and I'm only 34). I just don't see any reason not to have my credit card company pay me instead of the other way around. So about 3-4 years ago, I noticed online that DiscoverBank also had a better APR than my other online account (used to be called ING Direct, now Capital One 360). Again, why not let Discover pay me? So I opened the account. I've had absolutely no hassles or problems either with account opening or maintaining over the past several years.
I have had several occasions to deal with discover customer service. Once was when an entity (company or person, not sure which) charged my discover credit card for something when I'd never heard of them, never been to the state from which I got charged and was actually living internationally when it occurred. Discover took care of that really quickly; as soon as I called, the item was removed. They then actually checked with me over the course of the next week or two to ensure that the other purchases I was making were, in fact, mine. (Note: they didn't decline my purchases - that would've been a big problem for me; they simply checked with me when the transaction posted). Another was when I needed to increase my credit limit. They very easily and quickly did that as well. Admittedly, both of these occasions had to do with Discover Credit Cards, not DiscoverBank, but it's the same company and since I haven't dealt directly with DiscoverBank service, I can only comment on my experiences with the company as a whole. Customer service has always been (at least for me) awesome, helpful, and easily understood.
As for rapidity of transfers, I've never had a problem. I'm usually not desperate enough to need the money right now, so I haven't noticed the lag that some people complain about. I haven't noticed any difference in the speed of linked accounts transferring funds to or from DiscoverBank, compared with CapOne 360, which I still have and recently linked to DiscoverBank as well. Last week, I sent a request from the CapOne site to receive funds from another bank. The same day, I requested DiscoverBank do the same. Both sets arrived in the online accounts on the same day (after a weekend, since I had made the request at the end of the week).
Hope this helps for anyone interested in getting paid by their financial institution, rather than paying their financial institution for services rendered.