I’ve always just used Zelle through my bank’s app. For a large number of folks, there is no need to involve Plaid.
There's a nonzero chance you will hit some kind of risk/fraud system based on amount too.
Wire is much better but frequently $50-100 per transaction as a fee.
Just for comparison, in Germany, bank transfers are free and take 1-2 days, for a fee or free (depending on the bank) you can do instant transfers taking seconds.
(If you don't explicitly have overdrafting off, so that it would just fail your transaction instead of letting it go through. The default setting may have changed in the last decade due to law but I remember these scenarios vividly)
$0 balance
+$20
-$1
-$1
-$1
Within a day or two of each other won't necessarily be positive $17 balance.
It could easily become:
$0 balance
-$1 (overdraft fee $40)
-$1 (overdraft fee $40)
-$1 (overdraft fee $40)
+$20
= negative $103 balance
Banks make a lot of money doing this to poor people. The financial class is full of super-predatory behavior.
Gaining access to a credit union was one of the best things that ever happened to me.
And that's varying by bank too. I can only send $1000 per day total by Zelle (except a "day" is much longer than 24 hours usually) and some accounts are silently rejected as recipients. My girlfriend has to pay the rent (I pay my share to her over multiple days) because I can't send to my landlord at all and even if I could, the amount would be wrong. She has neither limit.