It usually takes less than a week to get it approved. I remember before it used to approve on Tuesdays and Thursdays or some combinations of days like that. Its usually 3 weeks to get the check if you're not mistaken by the 2+2 people. And yea, hate the fee. Before the start of their new tier system, you could be on a higher tier and have less fees. Havent checked out that works now since I believe everyone starts the month new right?