It says JP Morgan Chase is on the list of providers, but in my online chase.com dashboard, I have zero reference to this service, nor can I find any way to use it.

All I see is the ancient dinosaur bill pay service, the ancient dinosaur wire service, the hideously expensive ach service, and then zelle. Some places accept zelle, some don't. Some people accept zelle, some don't. Which makes it impossible to use.

All those services suck. So what that means in real life, is just that everyone uses venmo and nothing else. Which I dislike greatly, but am forced to use.

I REALLY wish I could use this FedNow service, but I simply can't figure out HOW to do so.