You are correct, of course. I surely do not know. Nobody here or anywhere else outside the Alliant boardroom knows. And that is what is so frustrating.
I routinely move money in and out, on the same day, and in amounts far greater than the lousy grand I keep on deposit at all times. That said, however:
I never move out any incoming ACH money at Alliant before checking the sending account to be certain the money has departed there, with the ACH attributed to an Alliant withdrawal. In other words, I never take for granted that the funds reached Alliant in the first place.
So far so good.