Things should get better, to some extent, with Same Day ACH.<p>Starting September 2016, their should be relatively cheap next day ACH transactions available to the majority of US bank accounts.<p>It&#x27;s far from perfect: still not instant, will probably cost money (interbank fee of about $0.09), and won&#x27;t immediately support debits. However, it&#x27;s a big step forward for US banks.