America is very sharp on certain things... car hire, tech, lightning-fast dry cleaners... then when you least expect it, they are miles behind. Step forward the world of American banking, which is still predominantly cheque-based and torpid - working on a 70s model. The genius and ease of Direct Debit is unheard of. Sending money in seconds online for free is unheard of. Instead they try and offer you a Wire service with a $25 charge. Seeing my exasperation recently, the lady in my bank leant forward, and with a wink, told me that PayPal or Venmo (app-based solutions) were better than anything the banks offer. I will never complain about UK banking again. It’s aeons ahead of our cousins.