Withdrawal Options? Help...

I'm in the fortunate situation of being able to consider withdrawing some of my winnings from PS. The last time I deposited/withdrew funds was with Neteller...so it's been awhile.

I know ePassporte is no longer an option so I was reading up on the All Access card. I see a ton of people saying 'Don't get the Reloadable one!!!' ...but no reasons why.

I currently live in the US...in a state (THE state) with the toughest laws regarding onlne gaming. Because of this I am a little uneasy about having PS send me a check because I'm not sure who is watching (paranoid? maybe a little)

It looks like the Relaodable All Access Card is a good option for me except that most people who post here seem to hate it. Is it disliked so much because it doesn't work? because of the fees? something else?

Also, regarding the fees....it seems a little cloudy as to what the fees actaully are. If anyone uses this card any info would be much appreciated.

Thanks.

I have the reloadable all access visa card and i have never had a problem depositing with it at pokerstars.
As for withdrawls i'm fortonate enough that I live in a state where I can recieve a check.