BEWARE!!! very very bad ...they will hold your money or deduct twice and you will get overdraft fee from the bank!!
never go for placid as it will hold your money for a longer time. Later they will deduct your money twice and only after you complain they will return back your money. As a result you will be charge an overdraft fee from the bank. i had worst experience with their customer care, they doesn't know how to talk with the customer, also they hold the money for more than 8 days and then canceled the transaction.