You conclusion seems to be correct about the site. Let me ask you this?  How is it that you can create a transfer account off your bank account using your SSN# as the account number and then use a Federal Reserve routing number and then transfer money?  Technically it should not work but it does at least for a short period of time. That is until money is recalled thru the bank of reconciliation.   Warning don't do this as the bank can close your account.