This could be changing with FedNow https://www.federalreserve.gov/newsevents/pressreleases/other20190805a.htm https://www.federalreserve.gov/newsevents/pressrel

This could be changing with FedNow https://www.federalreserve.gov/newsevents/pressreleases/other20190805a.htm https://www.federalreserve.gov/newsevents/pressreleases/othe... You may want to read the findings of the Faster Payments Task Force (FPTF) https://fasterpaymentstaskforce.org/ https://fasterpaymentstaskforce.org/