Its easy to beat their lines, but there is a history of them booting you when you have taken a cretain amount from them. They then make it difficult fot you to withdraw your balance. I had to fax over my ID and Utility bill 67 times, thats not an error 67 times, before the acknowledeged it and said they could read it.
There are much better books out there, stay away. The stress isnt worth it.
I signed up with them and receive calls in 15 min intervals. I told them to stop and they did so it's all good. If there taking Echeck then I might give them a whirl.
There is also some "history" of them stealing account balances from customers they accused of having duplicate accounts. I am sure its on this forum somewhere.
You would have to be mad to send money to them IMO.