Five Low-Cost Tools for Fast Cash Transfers Give the heave-ho to services that charge big bucks to move your money around.

Oh, the joy of moving money electronically. Banks wire funds but charge 20-plus dollars for the privilege. Credit card companies can move money virtually--but they take a healthy percentage of every dime they touch. Web-based tools like PayPal let you deposit and withdraw money--but there can be a three-day wait for the funds to clear.

But a new day in e-funding is upon us. Automated Clearing House, aka the ACH Network--the basic fabric that all banks, credit card firms and even the Federal Reserve use to move money--has started to attract progressive startups and services that could knock some of the pain out of moving money around.

"Whoever solves the ACH Network problem first is going to create a very disruptive day in the payments world," says Ben Milne, CEO of Dwolla, a cash-based payment network in Des Moines, Iowa.