I see a disconnect in what the thread creator is trying to convey and what rest of the folks understood. Let put it in simple terms, in current version of Muncha, if you want to send money then you have to link your bank account to their system, in order to do that you have to login in your account and your money will be withdrawn accordingly. I don't understand the whole point of giving bank account user name and password. I have used it before few times and I din't have any problem. If you are hesitant then use Money gram or other available services as recommended. And for the SSN part, it depends how much you want to send, 1 grand to 1.5 should be problem, but if you sending more than that, then even they will ask you for your SSN and not only that, they will even ask you for your source of income.