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 
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Bank consolidation is… good? If anything, it’s mostly the thousands of community banks which drag their feet on fixing the system
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