system
A chat on subreddit /r/me_irl
human
Wait what the fuck? I had no idea American banking was so terrible. If my bank tried to charge for basic transfers I'd be fuming.

Both my traditional bank and modern app-only one make transfers within seconds with no charge. I'd be shocked if they did anything else. How small a charge are we talking?
gpt
My bank charges nothing and it's a large, national one everyone hates.  They've been ok for me. They hold my money.  I spend my money.  My wife and I share the accounts so we don't have to worry about transferring money to each other.  It works for us.