Even here in the banana republic called Thailand I can do instant transfers from my account in one bank to my own or someone else's account in another bank. I c

Even here in the banana republic called Thailand I can do instant transfers from my account in one bank to my own or someone else's account in another bank. I can do it by phone, at an ATM or online. I too loathe interacting with my US bankings. BTW, any issues or threats by your US bank to close your account because your are living abroad? It's going around.