I bank with two separate large banks. At one bank, I have a business account with linked checking and savings accounts and a personal checking account at another bank.

I have not set up online transfer on any of the accounts. In my case, I have had odd things happen with my business checking account and I simply prefer not to set up the feature-- anywhere. Too many powerful people know who I am and my business checking account is linked to a lot of my affiliate activity. I opened the business checking account in November 2004 shortly after I registered my business [QiSoftware] with the State of Maryland.

This causes problems if I want to transfer funds from any of the accounts to an external bank account, i.e., I can easily transfer funds between my business checking account and business savings account, however I cannot transfer between the business accounts and the personal checking account at the other bank.

So today, I went out to learn just how hard this would be. I am not sure why I thought I could simply walk into the bank I wanted to withdraw from, and ask to transfer the funds to the other bank given I had the account and routing information. I thought it would be a swipe of the card. It was not. Instead, I withdrew the funds and then went to the other bank and deposited the funds saving at least $30.00 in wire transfer fees.

Since it was so easy to link [online] all of my accounts [even external bank accounts, credit cards, paypal, etc.] at the bank where I maintain my personal checking account, enabling online review of my "Net Worth" at any time-- I may have thought my financial data was more connected or linked than it really was.

In any case, today the tellers at both banks [I am lucky in that local branches for both my banks are within a quarter of a mile of each other] were very helpful in assisting with my transfer [and all of my questions] and it went well.

Here is what I had on today. Reminder, when I go out I like sharing photos of what I wore, to insure there are no mistaken identity issues.

When I returned I researched "How to transfer money between accounts at different banks" and found the following article. How to Transfer Money Between Accounts