Arch refund via Chase Bank account

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Friends have been waiting over 3 months for a full refund for a cruise not taken. Fully insured through Arch Insurance purchased through AQV. They recently received an email offering to pay them through an existing or new Chase Bank account. There was even a "button" on the email to open a new Chase account if they didn't have one. If you scrolled almost to the bottom of the email it says that if you don't accept this then (in another 30 days or so) they will send you a check (by snail mail).

I told her it sounds a little fishy to me. Luckily she is more than willing to wait another month to get her money back. In the mean time she is going to attempt to call them to get the check issued earlier.

Has anyone else had this happen? Just wondering if it is legit.