Got the cash uploaded.
Cash "uploaded"? Cash from where?
What is it that you are trying to do? Move money from a bank to an exchange, or the other way around?
(i.e., Transferred from an exchange? Funds obtained using Dwolla Instant? Or transferred to Dwolla from a Bank transfer? Or a payment received from another Dwolla user perhaps?)
Then it apparently wanted another bank.
You only need one bank account linked to Dwolla. Actually, you can do account-to-account (A2A) transfers to another Dwolla user without a bank account linked even (with a few exceptions, recently added. See last paragraph of this message).
So I entered the routing and account number for a combo prepaid debit card/checking account I have. And waited. And waited. And I waited some more.
If you were in the process of linking a bank account, that will take up to five business days.
SO I took the second bank off, and now it's just sitting there, listed as pending.
Once you've started it, there's no "cancel" mechanism. Dwolla is waiting on ACH to process the transaction with your bank. I suppose if you never confirm the attempt to link an account (by telling Dwolla the amount it deposited to your bank account) it will expire eventually I suppose. If you've removed the bank account before verifying it, obviously you'ld need to restart that process if you do eventually want to use it.
When I act like I'm getting ready to withdraw it it asks me to what bank I want to send it.
Until you have linked a bank account and gone through the verification steps, you can't withdraw your Dwolla funds to it. It takes many days. (Incidentally, PayPal, VenMo, Serve, etc, all use the same method for linking a bank account.)
Would I be better off moving it out? can i add another account to move it to?
You'ld need to wait the same amount of time to link a new account anywhere else as well.
So, your options are
a.) wait until you've successfully finished the verification with a new linked bank account (about five business days).
b.) trade your Dwolla USD with someone, e.g., on #bitcoin-otc marketplace (though without an existing trust history, you might not find someone willing to do a trade.)
c.) wait (same as a. above)
d.) wait (same as a. above)
Since it is a new account, you probably won't be able to send the funds to a bitcoin exchange yet (Dwolla's new restrictions are that the linked bank account had to have been used to add funds at least 30 days prior to the account being useful for sending money to a Bitcoin exchange.)
