How do I make an ACH transfer to a third person (i.e. not my own account in another bank)? Can I send you money using ACH with an account number you provide? I

How do I make an ACH transfer to a third person (i.e. not my own account in another bank)? Can I send you money using ACH with an account number you provide? If it's possible, this functionality must be extremely well hidden. Wire transfers aren't the same as European-style bank transfers because they're slow, expensive and seem to have weird manual validation steps. Zelle is a proprietary kludge that has very low transfer limits, and most people don't seem to know it exists. I certainly wasn't able to pay my Manhattan rent using Zelle, so it's not a replacement for bank transfers either.