> if I want to donate over $25,000 to charity in the US, I have to go into the bank (in person even during the pandemic) spend half an hour while they fill out

> if I want to donate over $25,000 to charity in the US, I have to go into the bank (in person even during the pandemic) spend half an hour while they fill out forms, pay a $12 fee (still negligible, granted), and they'll process it within 12 hours. You can do it from home for a negligible fee ($0-$3) if you're ok with ACH instead. (Same-day ACH has a max of $100k, though it used to be $25k. Next-day ACH is something like $100M, though your bank likely has a lower limit.)