@Angelface2, If you and your family member both have been verified and have Zelle, you can transfer that way virtually instantly. If you have not been verified with Zelle. that process to verify takes a few business days.
To transfer instantly to your family member with USAA over the phone with a USAA rep, you do have to have their account number and name and that is an instant transfer. Thanks for reaching out and I hope this helps! ~Tom