I hit a bit of a bump in the road and need to pull my 401k and state retirement cache. I called around to the 2 companies I have money sitting with and of course they are closed, but one of them has a robot that told me I have service credit. For those who are in the know or have done this kind of thing before I post the following questions. 1. Does service credit stay if you pull your savings? Can it translate to money if pulled? 2. What is the penalty usually for pulling these things early? 3. When you pull them, do they get transferred to your bank account immediately or do you wait around for 6 weeks and receive a check in the mail?