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You must have a Citadel account that has preapproved your bank account. There are no fees. Your money is immediately unavailable at UB bit it will be a few days before it reaches your bank account. Conversly if you choose Citadel as a means to deposit at UB it immediately becomes available for use to play poker but it is not removed from your checking account for a few days. This is what I meant by it averages out, coming and going.
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