Atelopus-zeteki,
@Atelopus-zeteki@kbin.run avatar

I've seen Zelle recommended. And as it turns out my bank uses it, as well. From Alternativeto:

License Model: Free, Proprietary
Platforms; Android, iPhone

Zelle® has partnered with leading banks and credit unions across the U.S. to bring you a fast, safe and easy way to send money to friends and family. Money moves quickly - directly from bank account to bank account.

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