收到Wealthfront (https://www.wealthfront.com/) 免费实时银行间转账的email。LZ试了转账给本人连接到Wealthfront的US bank, Chase, Wells Fargo，都是两分钟左右到账。转账时有闪电标志的银行支持实时转账。实时转账限额是每天$50,000，没有次数限制。这两个链接里有支持实时转账的银行 RTP-eligible banks here and FedNow-eligible banks
Wealthfront cash account 现在的APY是4.25%
Instant Withdrawals FAQs
How instant is instant?
Your funds will typically arrive in under 15 minutes as long as your withdrawal is $50,000 or less per day and is being sent to a Real-Time Payment (RTP) or FedNow eligible institution.
A quick note: while we process everything quickly on our end, your receiving bank processing times may vary.
How do I know if my bank is eligible?
If you’re receiving this email, you have at least one eligible account already linked. Over 1,000 external institutions in the RTP and FedNow network are supported, including Chase, Bank of America, Citi, and Wells Fargo.
Head to our blog to see if any of your other accounts are RTP or FedNow eligible
Are there any limits?
While there is no limit on the number of withdrawals you can make, each day’s total withdrawals cannot exceed $50,000. We’ll process withdrawals over $50,000 via ACH, which means you’ll usually see the funds the next business day.