<prompt> Human: So I currently bank with Chase and would like to open an Ally savings account to take advantage of their higher return, but Im having a hard time understanding how I would be able to access my money.It seems like theres no quick way to get my money out. If I need to pull 5k from my emergency fund, I would have to initiate a transfer from Ally to my chase account and then pull it from there? In addition to paying a 20 ACH fee. Is that the only way? Im sure I cant take that kind of money out of an atm.Id like to have instant access to my E-fund, which chase gives me. Am I missing something? Assistant: I dont know where you get the 20 ACH fee from. Ally Bank does free transfers from them into Chase. During the week, its next day. Itll be there on the monday if you initiuate the transfer after 5pm on Thursday. Ally has other account types that give you an ATM card, but the interest in nowhere near as high. Just transfer from Ally -- Chase and withdraw from a Chase ATM using your Chase card. I have a Chase checking account and Ally savings accounts, its super easy. Human: On their fees page it said ACH fee: 20so I assumed a transfer would include that. But thats good to know. Thanks!  <response>: Are you confusing ACH and wire transfer? ACH is only available in the US and takes 1-3 days. Most banks offer this service free of charge. Wire transfer is usually for international and large transfers and takes a few minutes to complete. It can cost 20-50 per transfer.Other countries have their local equivalent of ACH that are also cheaper than wire transfer. 