Not often. Harris Bank doesn't even let you initiate an ACH transfer from the website; you have to call or go in. Much of Europe pays for POS transactions with

Not often. Harris Bank doesn't even let you initiate an ACH transfer from the website; you have to call or go in. Much of Europe pays for POS transactions with free, fast bank transfers from their smartphones in lieu of credit and debit cards. No checking account, routing number, and 3 business day verification crap.