Thanks for that information, MLR. Can I do that over the phone with them, by giving them my routing and account number? I have horrible luck doing anything online with Etrade, as I only have my phone for internet purposes. I can't even afford the cheapest of laptops at all. Lol. I hope that is about to change very drastically at any given moment next month. Would love to see $4, or more to start, and see intial funds transfer to my checking account in a matter of hours.