NetSpend people:
Just to make sure I'm not horribly confused before I take the plunge- the ACH routing number and account number, does that work just like a regular bank account link would? Right now I have a business checking account, a personal checking account and a personal savings account earning a pittance. This sounds like it would be worth dumping the current savings account for, but I just wanted to make sure I'm clear on how to get the money out when I need to. It should link ok to my checking (according to the thefinancebuff link, as I have Santander). It sounds like I can also pull money out with the routing number/account number, for example to Vanguard or my health insurance company? Or do I have to bounce the money back into my checking account and transfer it from there? (I'm one of the paper-check people, mostly because my few bills that aren't on my credit card didn't allow ACH payments until recently).