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MartinB comments on Procedural Knowledge Gaps - Less Wrong
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I use online banking basically since I have an account. It is easy, comfortable and fast. It is still surprising to learn how foreign banking systems seem to lack behind.
I'm not aware of a single bank in Germany that does not offer free online banking. Regarding the original question, you just login, click "transfer money", fill in the account and bank number of the receiver, the amount you want to transfer and click "send". There are often (hopefully always) additional security measures before you can proceed. Once I click "send" I get an SMS sent to my mobile phone with a number that I have to fill in before the money is actually transferred.
If you were able to figure out how to use Facebook you'll be able to use online banking as well (at least in Germany).
ETA Actually, just go to your banks website, call them or visit the bank itself. You are their customer, they'll tell you what to do or even do it for you.
I suppose clippy does not live in Germany. The US system is still heavily based on checks, and not so much electronic transfers between banks.