<p>mhc48 - you mentioned making transfers from your Chase account. Chase online banking has a feature called person-to-person quick pay that I use to transfer money to my daughter’s BofA account (at another college). When you post an online transfer, the Chase system sends an email to the recipient, who then has to retrieve the payment. Once the recipient is set up as an account in the system, regardless of what bank he may use, the money is available immediately. No fees and works like a charm. I’ll probably have my UD daughter set up a PNC account and make transfers from my Chase account with this service.</p>