I think dads311 has a good idea to look into Zelle.
I had heard that Zelle has a uniqe setup… and a quick search yields this: “Zelle's setup, which uses direct bank-to-bank transactions, is not subject to the IRS's 1099-K reporting rules.”
I can’t confirm that, but it seems like it might be a good solution.
Plus, my early 20’s kids and their friends all use it, so we would be kind of hip.
I couldn’t be more grateful for what you do, Steve. Thank you as always.
Peter