i actually dont know how to get an invite to UMW. i kind of got one for being such a baller at FTP.
(after a horrendous check request snafu at FTP, i refused to deal with the BS everyone seems to be going through when requesting checks. ftp lost the check, i had to wait the full 6 week period to be sure the check was 'lost'. cancel the check, wait for the money to get back to FTP, re-request the check. in the meantime, i needed dough, so i had asked for a different check to hedge the timing of the first... blah blah.)
in short, i would gladly pay the $30 to umw and the $15 for the wire-transfer than to wait weeks and wonder about my dough. like the one guy said, line up to blow whoever you have to for a umw invite. i dont like to make super small withdrawals--i try for $4k at a time and the fees are like 1.x%. anywho....
so far, the umw people have good experiences it seems. im hoping some others can speak up about carbon, lock, etc. with exact dates and deposit/withdrawal information so i can finally pull the trigger and make a new account. plus, even though my usemywallet already exists, am i going to have to do verification with carbon?