Venmo, CashApp, Apple Pay, and Zelle are free for person to person transactions and you get the cash in your account the following day.

I’ve never been in a position where I needed a cash transfer to an account the very same day, I have tens of thousands of dollars of credit available so there’s very little need for immediate transfers, at least for me personally. I do virtually all of my spending on credit cards so I have up to 60 days to pay the loan back without interest.