I don't remember verifying myself, but I recently withdrew quite a bit more than the $500, over about a 2-week span.

I've not had experience getting the ATM card or a check sent. I'd love it to send checks to other people, not sure if it can do that.

It's funny, but they take money from your PayPal or bank account instantly when it goes their way, but it takes 3-4 days when it goes yours.