<prompt> Human: Hey all, Im sure this has been covered before, but it seems like these banks update things online often. Well be setting up a couple online checking and savings accounts. All paychecks will be direct deposit. Ive seen a lot of reviewers complain that deposits take too long to clear with both banks. Anyone had problems with this? Any other pitfalls I should watch out for?  <response>: I dont know if theres a difference in deposits clearing, but the big difference between these two for me is that Ally reimburses all ATM fees so you can use any ATM, but Capital One 360 is only fee-free if you use an ATM in their network. Since this is rpersonalfinance, Ill suggest that you keep enough of a cushion in your checking account to make how long your direct deposit takes to clear irrelevant. 