I needed to refund a customer's unspent balance recently, but was in the middle of a move and couldn't find the checkbook I haven't used in a few years. Tried to use that Zelle thing my bank is always bragging about. Payment failed and I wound up with my account completely locked. Managed to get my ATM card unfrozen so I could withdraw cash and send a Walmart money order, like a savage. Can't get the actual Zelle thing sorted out unless I visit a physical branch. Yeah, that's gonna happen.