Pro-tip: Anyone in the U.S. can sign up with Dwolla and have an account that can receive funds immediately. There are no holds or restrictions stopping a new Dwolla account from receiving payment from another party (i.e., account-to-account (A2A) transfers which is how Dwolla payments are classified).
Now for a new Dwolla customer there are a few little delays after to get the funds to your bank account. Linking a bank account takes a few days for the "verification deposits" to occur.
But those who want to lock in gains by selling at today's exchange rate plus get this 1% bonus can do this trade even without having previously already having a Dwolla account set up.