What methods are there for me to transfer X dollars per month, directly to another individual's bank account? I'd rather avoid sending a check every month and the attendant hassle when a check goes missing, so best is something involving direct deposit and ACH.
Both banks are in the USA. On my bank's side I have access to "bill pay", and I can get their routing/account numbers. But as far as I can tell "bill pay" would simply result in a paper check going out.
I've checked and with paypal this is sort of possible, but it's treated as a business service and comes with fees.
I know in Europe this is done all the time, and it routine. In the USA not so much.