Hi sirch1,Please be aware that our new TOS will be released early next week. I'll give you a sneak peek at them since you made a new thread about this subject.Section 34a, page 53, paragraph 5 states: If you request an electronic funds transfer to your bank account, you will provide an initial authorization in accordance with our instructions. After an initial authorization is received, you agree that we may access your bank account at any time you instruct us to make a transfer to your bank account. If you request an electronic funds transfer from your bank account, you grant NETeller the rig