I have not been given written consent.  My guess is that Dwolla is more concerned about funds coming from new/recent accounts due to fraud.  My Dwolla account is in good standing, and has had more than $20K in deposits clear over the course of 9 months all from the same bank account. 

Still I concede Dwolla could shut me down and if they do I will stop using them.  If they do that to enough people they will cease to exist.  I mean has anyone used Dwolla for anything other than virtual currencies?  Anyone?  Ever?  For a single purchase?