Ok, so far switching to Ally is going smoothly. Their online chat is very convenient for any questions I have as I'm going through the process as well. I rarely ever have to wait longer than a minute for someone to be available live online.

It does take awhile for funds to become available in my Ally accounts if I am transferring from an outside bank. That's not that big of a deal to me since I usually pay everything with my credit card anyway, but it's good to share. I'd say it takes about 4 business days for my Wells Fargo funds to be made available in my Ally account.

One hiccup I want to mention is the fact that apparently PayPal does not let you link online bank accounts. I had been trying to swap out my Wells Fargo checking account for my Ally account and it kept telling me "We cannot process your change at this time." I finally called PayPal and they mentioned they only allow brick-and-mortar accounts to be linked to your PayPal account. I opted to still remove my Wells Fargo account, but will keep my CitiBank Credit Card linked since I don't plan on getting rid of that anyway.