That's not good enough, though. I shouldn't have to have the same bank as my spouse. NOt all banks offer both partners value, nor should either give up long-standing accounts for this. I don't mind a small fee, but it can't make think twice sending rent money or food money to the spouse or him doing the same to me.

A direct transfer from online banking might take overnight or over the weekend, but there is an app that lets folks pay each other that is low-cost and speedy (or pay for a soda from a machine).