Nobody picks a checking account based on how efficient bank transfers are. It's not that people don't care; of course they do. It's just not something that is a

Nobody picks a checking account based on how efficient bank transfers are. It's not that people don't care; of course they do. It's just not something that is advertised, or relevant to you until you run into it, and so is completely overshadowed by what IS advertised, and will affect you immediately (cost of the account, availability of funds once deposited, easy of deposit, etc).