good idea but we would prefer not to get involved in checking account linking and ACH debits and credits. doing this would require additional infrastructure, programming, software, expense and additional security risk issues. Remember paypal is enormous in scale compared to RCU and can justify this process. they will be making fees off of you after you validate most likely. RCU on the other hand is unlikely to generate any fees due to its open model and cannot offset the expenses that would be incurred by creating and implementing such a process as proposed.

We still have not implemented the $5 a year method either. this was just something we suggested to members to help protect them. they voted agains the $5 which is really a vote in "trade more at your own risk" avenue.