Probably trivial because they adopted the tech later and it was easier. The last to modernize, will be the most modern. The US rolls out new tech and charges fo

Probably trivial because they adopted the tech later and it was easier. The last to modernize, will be the most modern. The US rolls out new tech and charges for it, and at this point charges and fees have been there since the start and there is no reason to remove them. There are banks that will pay the fees, so effectively a free transfer, but it is up to the consumer to select these companies to do business with. It is the old voting with the wallet method.