Dwolla is nothing more than a fancy front-end on top of a credit union in Iowa. I tried to use it for my business back in 2011, but it was just too slow -- takes 2 weeks for money to get in (1 week transfer from their bank account to Veridian and 1 week from Veridian to your bank account) and 2 weeks for money to get out (same in the other direction). Very disappointing.

Harassed as many people as I could for information on FiSync so I could try to offer integration to local credit unions and banks and couldn't get any real information out of them on it; it was a phantom program back when I was looking.