Banks are incentivized to hold your deposit and and disincentivized to provide you with straightforward ways of withdrawing funds. Zelle is an industry consor

Banks are incentivized to hold your deposit and and disincentivized to provide you with straightforward ways of withdrawing funds. Zelle is an industry consortium of banks to offer instant payments, but even with this consensus they can’t change their nature. Hopefully, FedNow Instant Payments will force banks to provide better service and remove the need for workarounds like Venmo.