Some banks (if they're small

Some banks (if they're small enough) still process their money transfers by hand.

The bank that my company used several years ago for ACH/EFT (echecks really) was apparently this way. They had a web interface where you could build an ACH batch and submit it. Turns out that they took that, printed it, and rekeyed it into another system. We don't use that bank any more...

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