They have a feature called "Dwolla Instance" that lets users use the money from a transfer before it's complete (the $3 option you mentioned), but more importan

They have a feature called "Dwolla Instance" that lets users use the money from a transfer before it's complete (the $3 option you mentioned), but more importantly they're actually building out their own clearing house that doesn't have the five day delay. As more banks get on board with that we'll have more instant transfer for free (and they're doing a lot to incentivize the banks).