this guy actually put up a link to explain how his business plan works ..
http://www.mtmbudget.com.cn:80/viewtopic.php?t=43
I still don't see how they are gonna screw you over . I mean direct deposit doesn't give them access to any of your information (well this is true of canadian banks as far as I know) .. And if they are starting by depositing 1000$ in your account to get back 900$ .. The only problem i can see is getting caught by Revenue Can (in my case) .. and having to pay taxes on all those deposits