IF you have that amount, you can write a check; your payee deposts to the account with their bank,  as long as they are in the same country. Sure you can move money.

It's if you want to move money internationally, or _fast_   (e.g. Wire transfer) or by getting a special cashier's check, etc,  that you incur a fee,  or if you want the cash or spend the funds, that you incur extra delays.

E.g. after transferring a large sum of money, the funds are likely to be 'held' on the receiving account and unavailable for spending, for a waiting period:  attempts to spend  without sufficient unheld funds = overdraft = overdraft fees.