I've had a UMW account for probably a couple of years, since FT invited me, but I had never used it until Black Friday, when I panic-withdrew my entire roll from Lock, and they didn't offer me an EFT option (my usual and favorite method). Since I had the UMW account I used that, and it worked fine. Withdrew on Friday and it hit my bank account on Wednesday or Thursday as I recall. Then once the panic subsided I re-deposited using UMW, so my recent experience is that both deposits and withdrawals work well.
My biggest complain about UMW/QT is the fees seem a little steep. But then again I'm used to EFTs from PS/FT where I never paid fees, so maybe all things considered they're not unreasonable.
It's an invite-only service, you can't just open enroll. But they'll often invite you following a failed deposit attempt or two, like if you try to use a credit card, so you might try that. Lock invited me not long after I signed up and fumbled through a deposit.