A comment today by one of our readers on this thread prompted me to take a look at the United First Financial money back guarantee. If you’re a customer of UFF, good luck trying to get your money back. Sure, it sounds nice that they offer your money back. But if you take a look at the terms, there is basically no protection for you as a customer.
This comes from the Money Merge Account activation documents from UFF (linked here under the Fair Use Doctrine, for educational purposes):