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only takes a few minutes and its all online. they ask you for your personal info, and checking account info(routing #, account#, bank name), and a deposit(there's no minimum, I put in $10 just to start but I suppose you could put in a penny if you wanted) then your account is setup. then they'll do what paypal does and make a couple deposits in your old account so they can verify its a real account. as soon as you sign up w/ a referral you'll have the $25 in the account. but you only get the money if you're referred, other wise nothing.
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