I have another idea from a bad experience today. Why is it we are still using the same check routing system from the last century? The routing transit system was created a CENTURY AGO! Does anyone here use a candlestick phone? Do you get your stock quotes off ticker tape? How's the fuel economy on your Model T? There is absolutely no reason it should take days to process a check when I can send a text message anywhere on the planet in a matter of seconds. There are billions of electronic payments made each year and they total several hundred billion. If you can invent a system where payments are made instantaneously, the world will beat a path to your door.