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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Replying to @thijsniks
Isn’t some of this due to fraud rules and where the liability lies on the consumer versus bank?
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Replying to @liz_vydra
There are probably lots of reasons (primary one being the protection of wire revenue), but the rest of the world solved this a decade ago
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Replying to @thijsniks
Yes, but the rest of the world also has much better protection for the consumer when fraud happens, no? I’m not an expert in this area anymore so just a genuine question. Definitely sympathize with your frustration and wish the limits were much, much higher.
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Other countries typically have stronger consumer protection and use more secure payment methods, so there is less fraud overall. Though few have a customer experience that's on par with the ease of credit card payments in the U.S. It's effectively a cost <> ease tradeoff.
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