You are right, JP, that this sort of thing has not historically
been possible at US banks.  I do not know, and it would be 
interesting to know, why the US banking system has developed
in this way.

> Quite ridiculously, it is NOT possible to go online and move money 
> from your bank account, at a given bank, to a friend's bank account 
> (I mean at the same bank).

Because, I think you will find that the US is about the ONLY country
in the world where intrabank transfers between accounts are not
possible and commonly done.  They may not be online yet in most
places.  But when non-US banks do field online systems they usually 
do usually make such transfers possible.

CCS

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