My experiences with DC have been positive, all of my sales have been through DC since I enabled it. One sale happened late Friday night. I shipped the order Saturday morning, and my money was already on its way to my account when I got up today. As long as you have shipped the item, they will send your money to your bank account on Monday morning unless you request an earlier deposit. The delay for the deposit to post to my account is no worse than Paypal or when I deposit a check into my bank account, and the fees for DC are cheaper than Paypal for most of my items.
I prefer being able to give my customers options for payment. Some people out there refuse to use Paypal for various reasons, others may not be comfortable leaving a website to input payment information since that's one of the routes for identity theft when shopping online.
Etsy didn't hold my money long enough to collect even a penny of interest from it. Also, I'm not sure how it matters to any of us what bank Etsy is conducting their business through. The money that you pay Etsy for your fees is probably going to the same bank anyhow. If you can't trust a company to make responsible and ethical business decisions, then maybe it's not a company you should do business with.