system
A chat on subreddit /r/me_irl
human
Why on earth would you need a separate app, doesn’t your bank allow instant transfers?
gpt
Not if your partner banks with a different financial institution. And some banks require you to jump through a whole bunch of hoops or sign up and pay for additional services in order to have instant transfers, otherwise you have to wait and do it the traditional way and wait 3-5 business days lol.