[dreamcompiler]

I've given up moving large amounts of money electronically in the US. It just doesn't work. What does work? Write a paper check to yourself on the "from" bank and use the "to" bank's app on your phone to take a picture of the check for deposit, then keep the paper check in a file folder for later auditing.

Seriously. This is disgusting but it works.

[jedberg]

It works but it doesn't clear in the same day. If you need the money today, a wire transfer is the only way.

[jjeaff]

Most banks credit the money to your account, up to a certain amount immediately.

Which is helpful in cases like this. And purely idiotic in many other cases because it enables check cashing scams which are probably the number one most popular scam in the US.