Taking it 1 step further, the ACH fees on $400 billion would be a minimum of $10 billion at 2.5% (so probably more) and with MyECheck 1% would represent $4 billion (but with the $5 cap, probably way less)
So banks & institutions could save more than $6 billion per day & funds are guaranteed & available instantly...
I'm prepared to wait for MYECs eventual market penetration
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