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2CO is fine as I am very familar with thier operation. If you got through Risk then you are good to go. They pay on time and I would be willing to say that I have complete confidence in the financial stability of thier company.
They are expensive but offer some great new features recently, i.e. no responsibility for fraudlant transactions under a handful of circumstances and really, when you consider the fact that they provide call center support for your customers, the prices they charge arent shit.
Give them a try, its $49. If you dont like it, leave them.
If you are going to do eChecks, I would not use thier eCheck processing, I would go for something like paybycheck.com. Much better system in place, faster settlement, less potential areas for fuckups.
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