Thanks for the information. Wells Fargo also offers reimbursement from any ATM (it's how I withdraw money, absent any reasonable way to transfer money out of it).
I've heard that many banks offer check cashing by photo, but it seems that the abysmal handling of transfers is a US phenomenon. Banks in Europe provide a seamless (and cheap/free) way to send money to anyone in Europe, inside or outside the country. US banks don't even seem to provide a way to send money to friends, outside their proprietary payment services which require that the recipient sign up with them, or something.
I've heard that many banks offer check cashing by photo, but it seems that the abysmal handling of transfers is a US phenomenon. Banks in Europe provide a seamless (and cheap/free) way to send money to anyone in Europe, inside or outside the country. US banks don't even seem to provide a way to send money to friends, outside their proprietary payment services which require that the recipient sign up with them, or something.