I had to do similar a month ago, around $20k as well. It was from my account at BofA to an account at a different bank. I did it all online, and it cost $10 and

I had to do similar a month ago, around $20k as well. It was from my account at BofA to an account at a different bank. I did it all online, and it cost $10 and cleared the next day, so within 24 hours. I did this all online without talking to any person, though I did have to 2FA into my account. I get that some banks might not be as competent yet, but signs look like they'll all get there in the end.