ok....I see how they are doing it now. the amount of interest after a certain amount of days is only an estimate if the funds show optimal performance and if you leave your money there for the "business" days.
I put some funds in the 30 days and seven days plan today. i took the 30 days plan out right away, but let the 7days plan sit there a few extra days. The seven days plan continued to accrue interest, so thats why they say "by choice"
Anyway, i was paid instantly and this program appears to be pretty nice. i will re-invest here with no hangups.