<prompt> Human: So in my quest to clean up my finances, Ive come up with a plan for my daily banking process, but wanted to run it by everybody here for input. I basically have a BofA checking, and am moving to USAA. I plan to keep my BofA with limited funds in it for daily purchases and never use the debit functionality. The vast majority of my funds are going to go into USAA checking and savings, which is where ill handle all my bill pay etc. My question is, I set up BofA as a listed account on the USAA website, and initiated a transfer of 1000 to my savings just to test the waters. So far its taken about 2 days and the funds are still on hold at USAA. I know 48 hours is normal, but Im wondering if it might be better if I initiated the transfer from the BofA side? Should I transfer to checking instead of to my savings? Is there any difference here or tax info I should be aware of? I did a quick google search and didnt see anything I remember once I deposited 10 grand by check to another bank and they put the funds on hold for a long time, because apparently large checks might be investigated by the government or higher-up bank execs. Should I transfer all the money in one lump sum or phase it in smaller sums?If anybody has some experience advice here about how to go about this safely and wisely? thanks all! :Assistant: why not just use the USAA accounts for everything? BofA will charge you a monthly fee for a checking account with a low balance even without a debit card.Human: mostly im worried it will impact my credit score; im currently trying to rebuild it and its my understanding that having long-standing bank accounts is good for your credit score. Ive had this bofa account for over 10 years, I was planning to shut it down in a year or two when my credit score is better. If my understanding of this is wrong, please let me know, Id be happy to dump them entirely  <response>: Bank accounts dont affect your credit score. Leave Bank of America. 