It&#x27;s not. It&#x27;s because the largest banks are all stakeholders in the Automated Clearing House system, they make far higher margins on faster out of band methods (wire transfers), therefore it doesn&#x27;t behoove them to improve.<p>There is some progress being made though, slowly and painfully.<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>