There is no difference Mritty, only the payout.. I too try to steer the naive from these money pits.. small as they charge they still take money from you for no reason other than the option to keep you up to date on how much you have deposited but like I’ve argued, a simple check registry will do that just as well. But some must learn, maybe it’s the pride of having a mc/visa without the bank’s logo, who knows. I use a bank debit card (just exactly like credit cards) the only difference is the bill is paid immediately instead of monthly payments (with bookoo interest) but that’s exactly how these cards work as well so, there is no reason to feed a dead dog unless of course you can’t acquire a bank account.