Fucking Zelle, man. The funeral home wants $1370 for cremation, and I was trying to send my half to my step-father and it keeps fucking crying about "fraud risk check." I called Capital One, and all they could suggest is that I send it in multiple, smaller increments. I successfully sent $200, and then it wouldn't let me send anything over $75. So I did that four times, at which point, it decided that I couldn't send anything more. Neither I, nor my step-father have Venmo, so I had to ask my spouse to send the balance to my sister, and jesus fucking christ, my mom just died, fuck your fraud check.