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Automated Clearing House (ACH) transfers are usually much cheaper than wire transfers (often free at credit unions).

http://www.mybanktracker.com/news/2013/03/20/ways-send-money...



Wire transfers are generally free within the UK/EU and very fast (bank-to-bank in the UK usually only takes a few hours at most).


I love how we've been trained to think that a few hours is fast. Only takes 30 days for me to clear an international cheque!


In the UK they're pretty much instant. In my experience if it doesn't hit the account by the time you login to your online banking, something's gone wrong.




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