do you guys not have Interac E-Transfer in the USA ?
one of the easiest ways to pay or get payed, here in Canada basically a bank to bank transfer. no or very little fees depending on your account type most I've seen is $1.50 regardless of the amount. oh and its practically instant. secure as its done through your online banking. really if the American banks don't have this yet you need to bug your banks to get on with it. I use it almost weekly with no issues ever. I even use it to transfer money from one bank account to another bank account in another banking institution.