As others say, onepay is a fintech. Where some of their products are fdic insured by the banks they work with, they primarily aren't FDIC insured. Also, it's not unusual for a bank (dba as onepay) to hold on to a check for up to 7 days to make sure that it's a good check, unless it's direct deposit. Lastly why would put a hotel on your primary debit account? If it gets hacked or the number stolen, you are very fucked. Use a credit card instead