Some banks in the U.S. have account-to-account (A2A) transfers (i.e., within same bank).
For example, using my online bank, Simple (dot) com, I can send for free to any other Simple accountholder. Transfer as little as $1, but there are daily and monthly upper limits:
https://www.simple.com/help/articles/payments-and-transfers/sending-an-instant-transfer
It’s instantly available to the recipient, thus better than ACH.
I would assume for Bisq this is supposed to be set up through “Transfer with same bank” payment method. But as far as I know, all I have is the recipient’s email address … which I’ve added as a contact. Thus I do not have their account number (at least, I don’t think so. I don’t know anyone else with a Simple(dot)com account to test against yet.)
I know I used to have A2A capability with my USAA account as well, and there I think I did have the other person’s account number, but I cannot remember now.
Is there a way I could accommodate adding a National currency account for this A2A method that my Simple(dot)com account allows?