New info on this, all of you who are using/considering it. Do not do it over the phone unless you are willing to pay a 1.5% fee. We have someone who did it that way, unaware that there is a difference between online and telephone transaction.
Breeze, Thanks for the e-mail. My general Rule of Thumb is that the only place a free lunch can be found in a mouse trap (which is fine if you like cheese and a sore neck!). But, I must admit.... Hard to find fault here.
Transaction finally posted to account. No charges, no fees, just a purchase transaction for the exact amount I got.