They also did that, in the form of the RTP network mentioned in the article: https://www.theclearinghouse.org/payment-systems/rtp https://www.theclearinghouse.o

They also did that, in the form of the RTP network mentioned in the article: https://www.theclearinghouse.org/payment-systems/rtp https://www.theclearinghouse.org/payment-systems/rtp Separate from this, wire transfers are near-instant during business hours. Most banks surcharge these for standard customers, but all the big banks have wire fee waivers on certain account tiers. There's also the "accidental" transfer method of over-refunding a debit card, which used to be a sketchy fintech trick but is now straight up supported by Visa. Sometimes they offer bill pay services which don't guarantee prompt delivery (in fact, often imply that they might fall back to sending a physical check through literal postal mail), but in practice frequently enough do go through instantly by whatever means the bank happened to find convenient.