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Most bank accounts I've ever had in the US let you set up bank-to-bank transfers via the web site. It only requires a routing number and an account number.

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TD too but that takes 24-48 hours and you have to go through a weird validation process. Two deposits are made to the receiving bank under and you're asked to confirm.

TD also wanted me to come into a branch with a bank statement from my other bank. Not ideal since they don't operate west of South Carolina and I'm in California.

The two deposit thing is pretty standard. A little odd, but it gets the job done and presumably does so using existing ACH interfaces (so they don't need to implement anything new or rely on the receiving bank to do the same)

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