FNBO account. I have had one there for over a yr now and it takes three days to from the time u transfer the money. but u can also get a ATM card with this account so u an get cash that way I do believe when u need it. I choose not to get the atm card myself. It will prob take 3-6 days to get the account fully set up to start transfer money. Most of the accounts like this take the three days to get transfer money from account to account. I have had no problems and recommend this account to anybody. They keep there reates just as high or higher than anybody that only requires 1$ to recieve the good yield.