I want to clear up the whole 5 day deposit time. It is only the case for new customers for 30 days. After that it is just like any other bank. They offer a ton of incentives that other banks dont like high intrest rates and no fees. I have been with BOA for ten years and they denied me for everything. I have been with capital one for a few months and they have approved me for 4 credit cards and a car loan. People get frustrated at something and want to burn the place to the ground. Don't listen to these people who need to be medicated, they are the best bank to deal with.
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Long hold times, never get a call back on a problem...everything is always about possible fraud. Going back to my local bank...not worth the hassle.