Man, that teller saved you from a headache and a half, and it makes me wonder how many of these "pending" transfers are actually just stuck on dead account info nobody bothered to flag. The app probably had the old routing number saved from years back and never warned you, which means a ton of people are out there waiting on money that's going nowhere. Going in person for bigger transfers sounds slow but at least a real human catches stuff like that before it sits there for days.

My buddy Dave in his Portland group had the exact same fight last fall over a 400 page thing, they ended up doing a hybrid where the host picks one book a season for the full read and the rest stay chunked. He said the one-sitting books always had way better talks because everyone actually finished and nobody was faking their way through the last third. The chunked ones were comfy but half the group would show up having skimmed and the talk went nowhere. He also said the all-night read made him notice stuff like a throwaway line on page 40 that paid off at the end, which never happens when you drag it out for a month. My take is your group should just test it for two or three picks before anyone quits over it.