Is a) not common? I use ING Direct (recently bought by Capital One and recoined "Capital One 360"). You can either wire directly from one checking account to

Is a) not common? I use ING Direct (recently bought by Capital One and recoined "Capital One 360"). You can either wire directly from one checking account to another using an ACH transfer. Or you can do a Person2Person payment which is similar to a paypal transfer. Enter your recipient's email address, ING sends them an email, they follow the directions and "pick up" the money, transfer occurs. Both are free to the best of my knowledge. Edit: ING is a Dutch company, so maybe that's why.