Can I get more details of what caused them to close your account? Also, isn't Fidelity's ach push 1 day if before 4 PM and next day after 4 PM? But if you pull, there is a 4 day hold? It seems there is a hold if you ach pull in their brokerage account too. I have schwab and it seems they do next day ach push, but pulls also have a 3-4 day hold for their cash management account. I'll try their brokerage account next but I feel it will be the same (but if you are doing stocks/trading, it is instant).