You guys can't do an online bank account money transfer using the Plus system for a one-time low fee of like $1.50?

The equivalent ATM standard here in Canada, Interac, supports what's called an "email money transfer." You initiate it from your online banking, provide a destination email address, create a password and that's it. You'd tell the recipient the password via some method other than email obviously (just in case).
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Bruno
Twisted Melon : Fine Mac OS Software