Not that easy when the nearist one is about 200 odd miles away from you.
Found out the problem.
Thank you for contacting Xoom Customer Service regarding your inquiry. Effective from September 29, 2010; Xoom doesn't support an international Debit/Credit Card as payment source for transactions due to a business decision. In order to send money, sender need to have an US Bank account or a US Debit/Credit Card.