Immediate isn’t always so true, it depends on the transaction amount with my bank (Wells Fargo). Something like $200 a day can be sent instantly, everything els

Immediate isn’t always so true, it depends on the transaction amount with my bank (Wells Fargo). Something like $200 a day can be sent instantly, everything else is next day which still isn’t terrible. I actually pay my landlady with Zelle (have since it was clearxchange with every bank using different branding), it’s not half bad - the biggest downside really is that your bank has to participate unlike SEPA where it’s expected to be there.