Whee, so now I've used both aspects of the system.

I deposited money via an online bill payment, that went through within 24hrs and they were so pleasant as to email me when they received it.

Next I placed a buy at $20 and waited. Couple days later, voila, someone filled my order. Now to actually "play" the market.

This is awesome for us Canadians! Fast turnaround and great service!