> Banks and credit unions of all sizes can sign up and use this tool to instantly transfer money for their customers, any time of the day, on any day of the year.
Come on... Being capable of sending money to someone easily should not be based on the bank.
Your money is located somewhere and your recipient has their money located somewhere. The places where your money sits needs to interoperate with whatever "thing" you're using to send money. Presuming that your money sits in a bank/credit union, you arrive at the quoted statement. If your money is paper in a sack somewhere, you can mail it, but it might not make it all the way.
