Nope, ACR does what they say they will. You may have trouble using U.S. issued credit cards. I would recommend Western Union for deposit. I use bitcoin for withdrawal. I think you will have to contact customer service if you want to use bitcoin withdrawal though if that interest you, I think before it is listed as an option for withdrawal you have to have 2 deposits by bitcoin but if you contact them they will set it up most likely. They have other deposit and withdrawal options as well. I have not used the withdraw by check option in a while so I don't know how long that takes now.
EDIT: By the way, You have to do their ID verification before your first cash out so now would be the time to do that. It has been a while since I did that so I forgot the process, so just google search "ACR poker ID verification" and I am sure you will find out how to do that.