I should have been clearer, it is a UI issue, rather than just a speed issue. Sure, bank to bank is slower, but the UI to send out of your own bank is designed to be as hard to do as they can get away with (e.g. I have to "pay a bill" and then instead of searching for the "company" I have to search and let it fail, and only then will it let me manually enter the other party's bank account info in raw text boxes).