Planet Money actually did a podcast about this. Banks are basically incentivized not to have it and keep ACH that way it is. A free and fast transfer service would destroy their wire revenue stream.<p><a href="http:&#x2F;&#x2F;www.npr.org&#x2F;sections&#x2F;money&#x2F;2013&#x2F;10&#x2F;04&#x2F;229224964&#x2F;episode-489-the-invisible-plumbing-of-our-economy" rel="nofollow">http:&#x2F;&#x2F;www.npr.org&#x2F;sections&#x2F;money&#x2F;2013&#x2F;10&#x2F;04&#x2F;229224964&#x2F;episo...</a>