This is off topic BUT ... How does bank transfer work in the U.S. ???

Here in Canada to do a bank transfer we get the email address of the person we're sending money to.
From our bank account we "e-transfer" the funds to the email address. We also provide a security word that they have to enter for the transaction to complete.
If the person's email is bogus or we type it in wrong then the transfer doesn't happen.
If the transfer is successful we get an automatic reply from the bank.
The receiver can have their account set for automatic deposit OR they have two days to enter the security word and receive the money.
At no time does either party need any of the other's banking info.
These transfers, regardless of the dollar amount, cost the sender $1.50. No charge top the receiver.