I've peeked at it before, apparently the money goes directly to your account (you have to provide your account info) it just shows up within a few hours no need to make withdrawals or transfers. However the comments about security, and lack of customer service (and just the unfamiliarity with the service) would make me nervous about using it if it's a large dollar amount. Reviews state a possible security risk if your e-mail is ever compromised, it would be like handing over your debit card. They don't deal with credit card info. I ended up passing it didn't feel right, and is maybe too new for me to trust.