[saghm]

Venmo isn't really something I'd consider a "bank service"; it was its own company for a bit, and I think now it's owned by PayPal.

The closest thing here is probably Zelle, but at least with my bank's app, the interface is a bit of a pain. This basically is just another form of what the parent commenter said; how much do I value my own time and convenience compared to what I'd be getting?