[wdcbooks]

Fnord, just transfer me your balance, I will write you a personal check (which may or may not be good), and I will take a reasonable commission.

Actually that may be a sound business idea. Everyone just transfer me your monies and I will show up at your house with a suitcase of cash, minus a reasonable commission and processing fee. In short order I will be employing an army of young men with cash stuffed briefcases.