At that difference and with the uncertainty around rates right now I’d take the fixed. Unless you plan to not be there for more than 7 years.

If you plan to stay longer, you’ll probably want to refinance the ARM at some point. If you take the fixed and rates drop, you can still refinance to a lower fixed rate. So either way, you will probably have a refinance in your future.

How did they wire money using your debit card? To wire money you need the actual account and routing numbers. There’s got to be more to this than what you’re posting. Did you provide your actual bank account information to this website? Or just plug in your debit card number?