Recently, neither my trading partner nor myself could accomplish a trade using clearXchange; I believe this is because neither of us has accounts with partner banks affiliated with the program. So my trade partner mentioned using Affinity Plus’ P2P transfer system.
This may be a viable way of transfer for those with Affinity Plus accounts, but I don’t really know the details and safety of EFT transactions and this method. In any case, here are some links to the affinity site the explain a little about the process.