Well, I was going to recommend USAA, but ....
What other banks do you use? Maybe one of them will be better for you?
One can usually have a paycheck split into a few direct-deposit locations if needed. That is, direct-deposit of the same paycheck does not have to go all to only one place.
I use WellsFargo because they are totally fee-free and give me lots of perks, but I understand that they may not work for everyone. I used to use USAA, but they closed my account without telling me.
It's all about market timing, uh, I mean rebalancing, uh, I mean opportunistic rebalancing, uh, I mean short-term opportunistic rebalancing due to a short-term change in one's asset allocation.