FWIW, I think Ally is probably similar to ING in the ways JuanValdez described (just realized I was looking at "posted" status earlier too, not when money is available). When I tried depositing a check, I think it was <$200 too, so it might have been more readily available than larger deposits. Either way, don't think it is too unreasonable compared to traditional banks. Not really relevant, but his experience with Chase mirrors mine too (though again, with a CC account). Website seems pretty bad in comparison to others I've used. Their email tool actually bugged out on me last time I tried it. IIRC, it ended up sending my email to 2 Chase reps, and I ended up getting 2 almost identical responses from them (one slightly more polite than the other).
I haven't been charged at all for transferring money between accounts. The one time i needed money from my savings I talked to a representative using live Chat and asked if there would be any fees before I made the transaction and she assured me there was no charge. Ally doesn't seem to charge for anything maintenance wise. They do charge you if you take out money more than 6 times a statement cycle. But who takes money out of there savings accounts that many times? I would recommend you contact them with any questions they are pretty helpful and straightforward with their answers.
I guess my questions was more regarding fees from BOA for sending money electronically out of my savings there to a MM with Ally. Would that qualify as a "wire transfer"? Because I believe they have a fee listed for that.
Wire transfers are different (someone can better explain this maybe). I had to do a wire transfer in my earlier example because I need the transfer to happen ASAP. "Regular" transfers (as I call them) take a few more days, but no fees usually.
Are you really using Chase's bill pay as your primary billing/invoicing tool? That's what it sounds like.
