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 what bank immediately credits ACH? 
 Varo 
 would u recommend Varo overall? 
 Most definitely. Very good app. Good bank. Only drawback is you can't write checks. My rent can only be paid by check or cash, so I have to get a money order with my debit card to go pay my rent. 

On Christmas Eve I was minding my own business and suddenly I got a notification from the varo app for a pending charge for a taxi service in New York City. I immediately locked my card in the app, and then reported my card stolen and ordered a new one. Cut the bastard who had my stolen cars number off before they could even finish their taxi ride and settle the charge. Didn't cost me anything.