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by gst 2668 days ago
Almost all of the US banks allow you to add other ACH accounts that you control. Just confirm the two trial deposits and you can push or pull money from that account.

A few banks also allow to send ACH transfers to third-party accounts that you don't control - for example with USAA that's possible. This still doesn't 100% match how transfers work in Europe (you first need to add the account, then wait 1-2 days, then you can send funds to it), but it's definitely better than "signing a bunch of forms".