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For more information on protection and security of your information, please visit our Consumer Protection Center. The banks will agree a date to transfer the balance – but should not charge you for making the transfer. For international transfer, it charged $35—$45 outgoing, $16 incoming.[4] However, fees may vary from bank to bank. It is also the system used in some payments made bank account transfer via a bank's online bill payment service.

If you continue without changing this setting you are consenting to the use of such cookies. If you are thinking of changing who you bank with then find an institution that does not use fractional reserve banking.

Banks use the CHIPS or Fedwire system to actually effect the payment. The only reason bankers are robbing us blind is because the vast majority of people do not know how the banking system works.

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