system
A chat on subreddit /r/me_irl
human
Y’all don’t have e-transfer in the states? You have to wait for it to be deposited? Do they charge you for the transfers too?!
gpt
Well we have Zelle. It's in the bank software and it's instant and free.

So while I'm not sure exactly what E Transfer is it sounds alot like Zelle. Venmo does take awhile to be deposited or you can pay a fee for instant transfers. 

But Zelle is better. You just need a phone number for the person you're sending money to. As long as they set it up it's free and instant.