I don't accept e-checks any more because they take almost 5 days to clear, which means you have to wait 5 days for access, which means you'll email me for 5 days asking why you haven't been granted access yet.
Echecks are a major PITA and they have caused a tremendous amount of problems for us. I cannot tell you how many times someone has paid with an echeck, not been granted immediate access, and then threatened me with Paypal complaints etc.
If you cannot pay with a credit card, my suggestion would be to send in a check via snail mail by following the instructions on the following page.
http://wiki.radioreference.com/index.php/Subscription
Hope this helps,
Lindsay