Not sure if I can comment on your post Liz, rather new, but an alternative that could greatly benefit our members is Venom:
https://venmo.com
100% free requesting and sending of funds. Venmo can be set up with a bank account or your credit card.
I use it exclusively in my small business and it is all insured.
Just throwing it out there. Again, sorry if its not kosher to comment on your post, delete if it is.