12 Pro Max - Cannot transfer to bank despite cards being on file.

This is super annoying Apple! Why are there questions with this same issue dating back to 2017?!

I have my cards added; the bank account added; the billing address verified--and I'm STILL unable to transfer funds to my debit card? I do not want to wait 1-3 days to transfer funds when I am looking right at my cards on file and literally everything is done properly--to my knowledge.

Is there a fix as of TODAY, July 19, 2021?!