system
A chat on subreddit /r/me_irl
human
Venmo and Cashapp have a small fee for instant deposit. Alternatively you could wait 3 days and get the full amount.
gpt
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.