Bank of America allows you to send money to other customers online instantly. There is no waiting period in my experience with the use of this feature and it is free if we are both customers with personal accounts (no business accounts).
The only problem is that you have to give me your last name, account number, and zip code, and of course you need a personal BofA checking account (savings might work as well).
However, this is not an ACH transfer (it's some internal bank thing), and because I have to type a code in from a text that they send to my phone, and verify other information, it would be very difficult for me to claim it was a fraudulent transfer. So I think it's a pretty safe method for receiving the money.
If anyone is interested send a PM.