Does Jimmy have a Wells Fargo account? They have a "SurePay" service that lets you send money to family and friends for free. All you have to do is sign up for it and tell someone the email address and/or phone number you used to sign up for it, and that's what you enter when you make a payment. It appears in the other person's account the next day, and there are no fees. Close to 4% is pretty steep and needs to be minimized as much as possible, especially if this is an ongoing need.
They have NO bank account and probably won't be getting one anytime soon. We have to deal with it the best we can and for now this is it.