[frockington]

Most banks are using Zelle now, all but instant in my experience

[pishpash]

Zelle is restrictive, daily limits are quite low. It's also not always instant, depends on how much risk your bank considers you.

[wakkaflokka]

I ran into this issue today. Frustratingly low limits ($1000) for my bank.

[mwexler]

Also, Zelle is a third party, but one owned by a bank collective so it gets a deeper integration. Potato, Potahto.