> They could call it "bank transfer", and it would solve all these problems! Yes, it is ACH, which is what a check is. One doesn't need to physically have the

> They could call it "bank transfer", and it would solve all these problems! Yes, it is ACH, which is what a check is. One doesn't need to physically have the piece of paper to make it happen (which is why you can deposit a check with just a photo). Either way it's just ACH.