Yes, there is a 5 day hold time before your deposit shows up. However, this is completely worth it if you're opening a savings account. I deposited $100 just to see how it would go...I was impressed with how high of interest I'm getting back. A huge difference from my everyday bank.
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I've been trying to get my money out of this IRA account for the past 90 days and they are doing everything in their power to keep that from happening, with excuses after excuses. I have been practically begging them and they're just so unhelpful it is driving me crazy. Just want to cry they are so unhelpful.