Best way to transfer money to another person's account

[actualliberalnotoneofthose]

@Dag_Otto

Don’t pay $3 for an ACH transfer. Most banks will do this for free. Although I have a BofA account that would love to charge me $3, if the other bank initiates the transfer they charge nothing. I transfer funds occasionally from my BofA account to my Ally account, but I do it from the Ally website.

If BofA ever changes that and try to charge me $3 anyway, that will be the final straw for me.

That only works for your own accounts. And if one has permission to pull from another. For example, I can pay people from my BofA to any of their accounts, but I’m sure not going to setup 2 way verification so they can pay themselves at will.