Do Instant Bank Transfers Exist In The USA Or Not?

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Also, some follow-up questions:

1) If instant/mobile bank transfers are a thing in the US, why do a lot of Americans prefer to use Venmo and Cashapp?

2) If Venmo and Cashapp aren’t working for whatever reason, what would be the alternative?

3) Why are some people given pay cheques in the mail that they have to deposit vs. having the money deposited directly into their bank account?

Thanks on behalf of all the confused Aussies who have seen this TikTok!

Source: https://www.buzzfeed.com/ishabassi/instant-bank-transfer-exist-or-not-america-tiktok

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