I've never had a problem using this survey service. I'm on my 4th paycheck. The first 2 paychecks were on paper and then on the 3rd they gave me a debit card, but of course you have the option to get a card or you can still go with paper checks. The only way your account is closed is if it has been inactive for over 6 months. Inbox dollars and Panda Research are the only survey sites I ever use. I know it takes a while to qualify for surveys and I hate that about this site, especially when it closes out mid-way randomly, but I'd say it's worth the extra money.