Two issues for me. One they ding me for receiving a payment even if it is a draw from a bank account. If it were a credit card, okay. Two..if I were wanting to put a received payment back into my bank account, they do not allow me to do that immediately. Why not? They can draft my account if they need to do so. I know why and it does not sit well with me. I use the credit car option more often than not.