Open Letter to US Banks: I want easy inter-bank electronic transfers

Dear US Banks,

Please adopt something that makes bank transfers easy to do between people. E.g. please allow easy inter-bank electronic transfers. I'm not talking about wiring money between countries, just allowing people to easily pay their friends back, pay their rent, etc., all without the need to cut down trees to make checks (a.k.a cheques), and spending money on postage. The tiny nation of New Zealand does it, why can't you?

Sincerely,

S