While we could do ACH transfers, it's way easier to just write a check.
I am a member of two credit unions, both of which participate in the Co-Op Shared ATM network so I can use most credit union ATMs to make withdrawals and deposits. One credit union holds my regular checking account. The other has my mortgage.
Until the automatic payment gets set up, I pay my mortgage by going to a third-credit-union ATM (owned by a CU that is also on the shared ATM network) and withdrawing a pile of cash with one CU's card. I then stick that cash back into the ATM as a deposit with the other CU's card. The payment can thus be made as a "transfer" on the mortgage CU's online banking platform.
It takes minutes to do that versus approximately 3 days to do an account-to-account transfer.
https://www.nacha.org/rules/same-day-ach-moving-payments-fas...
Never doubt the American banking system's capacity to gouge the customer.
I'd open the banking app or website, put in the other persons mobile phone number. Their name would be shown as confirmation. Enter the amount, press send. It's in their account in minutes, an hour at most.
If I transfer the same amount regularly, I'd click to make it a regular transfer.
If I don't know their phone number I'd use their account number. Either way, they're saved as a contact for next time.
No, this is just Stockholm Syndrome, sorry (and they charge you how much to print cheques again?)
Way easier is entering two or three numbers depending on the country (for SEPA payments it's two strings) , a value and done.
Details are saved if you want so you just need to pick it again next time.