I’m trying to figure out how to send $6000 from my Chase bank account to my wife’s Chase account for our income tax payment and the answer is to either:
- Write a free paper check
- Send $2000 for 3 days through Zelle
- Pay $25 for a wire transfer
America 
And the existence of PayPal, Venmo, Cash, and Zelle proves the point that the core system is lacking capabilities for US customers too. No other country has 4 large private networks to try and fix a broken public service.
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Of course forgot Apple Cash, Google Pay transfers, and Facebook Pay transfers.
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