You would not believe how normie this situation is. My wife and I are buying a home and the escrow company required the final deposit to be made by wire transfer. However, I use the same local bank as the escrow company and they don't allow internal wires. Working around that situation has required multiple emails, multiple calls, an in person bank visit, and both my wife and I to sign a specially prepared document. Everyone has been really nice but also acting like they're doing me a favor. I've managed not to shout at any of the clerks who had nothing to do with failing to anticipate this obvious edge case, but I had to vent somewhere.