I had the exact same experience as csargent this past week too. Cashed out BTC was expecting my money in my account on Wed and on Wed nothing was there. I also was not able to sign into my account either because the SMS verification wasn't working for some reason. I emailed them and they got back to me in about 5 hours and said the transfer took about 3-4 days. I could log into my account a few hours later during the day, and my money was in my account on Thursday. I just think their notification of when the money would arrive in the bank account is a bit inaccurate and it depends on the bank. They've never failed me as far as selling/buying, etc. I've never not had things go missing, so my overall experience them has been very good despite my recent worry.