You give Dwolla your checking account and routing numbers. They make two random deposits of a few cents within a few days, then you go back to Dwolla and tell t

You give Dwolla your checking account and routing numbers. They make two random deposits of a few cents within a few days, then you go back to Dwolla and tell them how much the deposits were for. Once your bank account is linked to Dwolla in this way, payments to other Dwolla users are instant. It takes a few days for them to withdraw from Dwolla into their bank account.