Lighthawk - Just placed an order for 13200 at .051 good for 60 days. So will see. Have done well in the past doing this. Often takes a day or two. Will let you know if it works.
Regarding Waterhouse check - have you tried depositing in your own bank and then setting up a Transfer Direct with Waterhouse. I do this. Get instant transfer. Only have to wait two days to have use of funds this way for check writing or trading. Waitedg