[peterbotond]

I read "vaguely tying them together" as "usually it works, sometimes not". This latter is my experience.

Electronic transfers enjoy a certain priority also, direct deposit, wire transfer, cash or check deposit at atm or branch are all different for different banks. In other words, it is a vague description when things clear. Some banks are better to their customers some are not so much. I live in the US.

An improvement is most certainly welcome and appreciated.