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

Oh, the joy of movingmoneyelectronically. Banks wire funds but charge 20-plus dollars for the privilege.Credit cardcompanies 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.