They're super simple...all you do is enter the person's email addy, and it sends them an email with a link in it that the person clicks on which then sends em to a page where they choose which bank they use and it automatically sends them to the login page for their online banking. Once they've logged in, it asks them to confirm the amount, then asks a security question, then asks them to confirm one last time. Then BAM! Money is instantly in account. SO easy - and pretty much instant. Best way to go if you have to transfer money to someone who has an account at a diff bank...