Offer your thoughts or opinion on the input financial query or topic using your financial background.

How can I set up a recurring payment to an individual (avoiding fees)?
I think about as close as you're going to get is to use a personal PayPal account, and set up a reminder to yourself to log in and send the money.  (Because, as you said, setting up a recurring payment is a business account thing.) From PayPal's website: Sending money – Personal payments: It's free within the U.S. to send money to family and friends when you   use only your PayPal balance or bank account, or a combination of   their PayPal balance and bank account. ... Receiving money – Personal payments: It's free to receive money from friends or family in the U.S. when   they send the money from the PayPal website using only their PayPal   balance or their bank account, or a combination of their PayPal   balance and bank account. You can automate the reminder to yourself with any of the gazillion task managers out there:  Google Calendar, MS Outlook, Todoist, Remember the Milk, etc.