Reporting here my formula for ACHs into Keesler which seems to be working. These ACHs are originated at Alliant:
I’m fairly consistently receiving same day ACH service, between the two institutions, Monday through Thursday. However, the earlier in the week the better. I have never had an ACH initiated at Alliant on a Friday be credited (and earn interest) at Keesler the same day, and I have given up trying. Instead:
When I have money at Alliant on a Friday which needs to be moved to Keesler HIMMA Plus, I put the money into Alliant savings, thereby earning interest at 0.55% for Friday, Saturday, and Sunday. The following Monday I ACH the funds to Keesler where, often as not, it is credited and earns interest same day. Hence, no loss of interest.
It goes without saying (or maybe not) that all funds ACHed into HIMMA Plus from Alliant go directly into that account, with no intermediate stopovers in another Keesler account. You can locate the correct MICR number for your HIMMA Plus by first accessing your account, and then clicking on “Account Details”. The MICR account number you need to set up direct ACH transfer will appear in the list you thereby bring up.
It rankles ever so slightly that, while the above works well when you are initiating the ACH from outside Keesler, e.g. in my situation at Alliant, it is nevertheless impossible to do the same thing when the ACH is initiated at the Keesler website. This is just another one of those Keesler “quirks” I have mentioned in earlier posts, and you have to learn to live with them.