Cyanide

There seems to be another entity known as "email transactions" or "email funds transfer" I believe. At least it exists here in Canada (I have done this with the Royal Bank of Canada). I don't think there should be any reason why it wouldn't be well established in the states.

All you need is established online banking (actually, there is a way to do it without this, but that looks like a PITA). Someone else with online banking devises an email transaction from their online bank account, sends it to with embedded security methods, you receive, supply "the key" and the money is yours to put into your account. I think it costs significantly less than PP transactions to boot. I think you can even do it with credit cards (though I wouldn't as cash transfers probably occur at a much worse interest rate).

Just a little bit of information, if you weren't already aware of it.

Cheers

Cyanide