Tried MoneyGram just now and it's great. If you do the debit card to bank account direct deposit you pay $1.99 for any amount you send and money posts in a few minutes. The transaction comes in from a CVU under your name and does not post like a "payment" as is the case with WU. MoneyGram also has a free bank to bank direct transfer but it takes 1-3 business days allegedly to post. Need to verify.