I wouldn't worry about the cost just yet. If you can really deliver three hour turn-around, you will find a class of customer who needs to get money somewhere q

I wouldn't worry about the cost just yet. If you can really deliver three hour turn-around, you will find a class of customer who needs to get money somewhere quickly. Those will be the customers you want to cultivate. The only caveat might be in larger transfers: if I need to get my late mortgage payment to my bank, 5% can be in the hundreds. At that point, FedEx is cheaper (but still slower). Make that balance work, and you can be successful.