iroc -- it's 5% or $5 on the initial load, whichever is greater --
We are working to add ACH funding and withdrawal, it's just a slow process since Visa has to approve the way we set it up as well as the bank.
If you start a commercial account then there is no load fee whatsoever -- you fund the account via wire transfer with a minimum opening deposit of $500, all of which is credited to your account.
I do like the idea of a minimum opener of $50, with user denominated fund amounts over that... it wouldn't get rid of the load fee, but it would allow more flexibility for the users.
I don't consider your posts bashing at all, they are quite constructive and you raise some very valid points. So definitely keep them up
