In my experience it is really hard to deposit money into another persons account in America. In my home country in Europe, all I need is their account number and their personal id number and I can deposit straight from my online banking system. They don’t have to be in the same bank or nothing.

In America this is so much more complicated. I have a hard time depositing money to my partner outside of my credit union’s calling hours, even though we literally share each other’s accounts.