◦Easily move funds between accounts, and gain interest on the money while waiting to pay their bills ◦Transfers can be done online at the press of a button ◦International payments in other currencies can be made ◦Repeat payments are easier, and payment information does not need to be set up again ◦Real time processing can detect fraud or payments where there are problems ◦Can take time to clear unless extra payment is made for real time processing
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