Freedom paid me my 5% on my first purchases with the funds credited Jan. 1, 2019, quicker than promised) which were primarily charitable donations made to the Foundation for Metabolic Cancer Research through the Paypal site (so the charity did not have to pay fees for using credit cards).
Their failure to use account numbers on checking accounts that are of the usual length, complicated setting up ACT transfers, but it can be made to work for some firms, with Freedom knowing what to do with the funds received (at least for two banks) designed for checking (from when payments to the VISA card can be made).
A wire transfer also got to them. A phone representative was not helpful, merely telling me questions about wires could only be answered by the sending firm only (I had some confidence in the ability of some banks to process wires transfers to them, but wanted to know what would happen when Freedom received the funds, and how long it would take them to get the funds into the right account, especially since the funds would come in with only your member number attached).
Experimentally, wire instructions submitted about 2PM on Dec. 31 got funds into my checking account that day, and could be transferred to pay off part of my credit card debt, so I could use the card later on Dec. 31 to make a large donation in time to create a tax deduction for 2018, and hopefully get the 1% Paypal giving Fund bonus.
They seem to have no way to initiate ACT transfers, but a couple of banks could make them if given the account number (which is your member number) for your checking account. As discussed in the thread on brokerage bonuses, Merrill lacked the ability to handle their non-standard checking account numbering system on their online sites, although BOA at least accepted the instructions (not tested to see if it works however), since BOA charges for transfer out over $1,000, and appears not set up to handle customers without cell phones, or unwilling to disclose their numbers.