I would suggest opening a bank account because you don't have to deal with the fees that you see above. Nor do you need to drive to a store to reload your account (hopefully you would build a huge bankroll
)
They cut the netspend cards that you could use anywhere a few years ago. It was super convenient for me because that's typically what I got for my birthday from relatives. So don't waste your time going from store to store to find them. They just won't work.
So again, I would open a bank account for less fees but if you are concerned with a site maybe knowing your account history (sending in a bank statement etc.) I would then go with the prepaid greendot or netspend. That way all (hopefully one) transactions would only be through them and that would be your way of verifying your account for payout.
Hope this helps, feel free to PM me if you need to.