How safe is IGM-PAy?

[BigF]

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Im a little paranoid about using IGM to get the 5x bonus at empire then at party. How safe do you all feel about party and empire having your bank account information? I dont want to pass these bonuses up.

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Under Federal law, the bank must refund your loss if
1. a withdrawal is unauthorized and
2. you report the wire fraud in time (within 3 months? I'm not sure)