Maybe I wasn't clear, it isn't available to business accounts at any cost.  Bank Of America intentionally cripples that service so it can't ve used to send funds from or to business accounts.  Banks have small business exactly where they want them.  "Free checking" yeah not for businesses.   Transaction fee, deposit fee, withdraw fee, ACH fee, check fee, bank wire fee, monthly fee, account data fee, and every bank's favorite the credit card fees.  Business accounts are even charged to use cash (no I am not kidding)!  

So Bank Of America (and every other major bank) cripples all these instant transfer services to make sure businesses can't bypass their fee empires.  If a customer wants to pay a business the banks want them to use a CC so the bank can get 3% or maybe a bank wire so the bank can collect $10 to $30. IIRC last month we paid almost $2,000 in banking fees and we still can't use instant account transfers.