My roommate and one of my friends on the other side of the country keep telling me to use Venmo. One refuses to get a PayPal account. I hate the concept of Venm

My roommate and one of my friends on the other side of the country keep telling me to use Venmo. One refuses to get a PayPal account. I hate the concept of Venmo, because every other country in the world has direct bank-to-bank transfers and we don't in America: https://penguindreams.org/blog/the-american-banking-system-is-still-in-the-1990s/ https://penguindreams.org/blog/the-american-banking-system-i... I've heard 5/3 Bank lets you put in someone's ABA/Account number and do direct person-to-person ACH. There's Zelle, but it's a private implementation by individual banks, not a federally mandated and regulated system. I wish we'd get mandated person-to-person digital transfers. Right now, I have to print out a check with my ABA/Account number and payment details, hand it to my roommate/landlord and he has to scan it with his phone in order to pay rent.