I've been following Dwolla for a while now, and I think this is a good step for them. I still have two big concerns, though:
1. Credit cards. Consumers like using them--they offer something that debit cards don't: an "undo" option. Dwolla seems to have gone all in on pleasing merchants, but I think there are still huge barriers to get consumers to use their service. What's the value proposition? Why should I deposit money into a Dwolla account when I can just swipe a card?
2. This might seem petty, but their site needs a re-design. When it comes to payments, your site needs to inspire confidence and trust. Compared to Square [1] and Stripe [2], Dwolla's blog and main site all look like amateur hour. Until recently their developer docs consisted of stickies in phpBB-esque forum.