Totally untrustworthy. I have used this company in the past to transfer funds. They have been slower than there claims, but it work. I attempted to transfer to a person I had transferred to again. Even though I had and existing account and transferred to the recipient before. I was directed to confirm to ACH debits made to my account after a delay of 2 days. I did that. Then after several more days I recieved a message that my funds were being refunded with no explaination. I called customer service and they said my money was being returned because they need a copy of my ID to confirm my idenity. I did that when I set up the account and made previous transfers! They said an email would have been sent asking for the ID. I was not sent an email and their rep confirmed that. Said they must have made a mistake, but they would still need ID and that an 'actual' person needed to review the ID and it would take a week! Now waiting 1-3 days to get my funds back. Sent a new transfer immediately VIA XE. Not hassle there. Didn't need to provide ID or do an ach confirmations to make a transfer.