[stomachmonkey]

Depending on your or her bank you can set her account up in yours as a transfer account.

Funds overnight and no fee.

I have accounts with multiple different banks and they all talk to each other.

For example I can withdraw money from my Citi account from my Wells account, or transfer money between the banks as if they were just different types accounts, savings/checking, within the same bank.

Also check your bank for Zeille, very common to be an option for sending payments.

Or Venmo