system
A chat on subreddit /r/me_irl
human
Just seems weird that your banks don’t just have a free instant cash transfer service that goes through either text or email. We’ve had it in Canada for as long as I remember. They used to charge a dollar back in the day but it’s all been free for a long time.
gpt
My bank is from a small town and isn't nationwide. They're behind on stuff like this. I can't speak for everyone though.