I've been a DWOLLA customer for about a year, regularly making deposits of a substantial amount of money each time. The delay in deposit from my linked bank account got annoying and one day I noticed a message after making a deposit, encouraging me to enable DWOLLA INSTANT feature for instant bank transfers. Unfortunately, this is not exactly true. They actually open a line of credit for you starting at a low $100 limit.
Also, they fail to ever mention a $3.00 recurring monthly fee associated with this feature (they hide any mention of this fee deep in the terms of service - never once explicitly informing the user of any fees). Once you enable DWOLLA INSTANT then you can't disable it again without paying the fee. I contacted their customer support literally 5 minutes after I enabled the feature to basically be told "deal with it and pay the fee. [continued below]....
....." I'm sorry but I expect more from a financial institution who I regularly have done business with over the past year.
If they're so deadset on getting my $3.00 with deceitful tactics which are NOT STANDARD in their industry (usually businesses are upfront about any fees, especially recurring) then they can have it but they will not keep my business. My advice is find a financial instution who actually has a personable customer service abd appreciates customer loyalty. I feel like I've been scammed and can't help wonder how many other customers they've pulled this over on to get $3.00? A few hundred thousand?