Ive ran vendors for a few years and havent had one magically disappear or lose my money but then again UO does have bugs, Id think it would be safer than say having a bunch of checks in a lock down that might disappear i.e. oops forgot to lock that down. Only thing that bugs me about it is the daily cost, but I suppose if you have a few mil on there the price is small. I still prefer to keep mine in the bank tho it would be nice if checks came in higher amounts like 5 mil & 10mil so you dont have to use up all your box space.