My understanding is that NetTeller is a 'floating bank-account' on the net, I can take money out of somewhere, leave it in NetTeller, then when I find another site I like, I can take some money from NetTeller and deposit it simply to that particular site. Is that how it works?
Yep, that is pretty much how it works!
If so, when and where do I get charged?
For most Deposits to poker sites, the poker site covers the fee! When you withdraw Back to Neteller there usually is no fee either!
Do I need to open it with a credit card, debit card, bank account, etc?
Here is what I have KD. I opened a seperate bank account, at a different bank from my "personal" money. I use that account to "fund" my Neteller account. There's step by step instructions to link your account to Neteller.
Reason being, I've noticed on the US players banned sites, that I still have money at 2 banned sites that I dont really use. Not a lot of money, but enough to play poker somewhere else.
Well, here is the problem with this one. Most poker sites will only let you withdraw money the same way you have deposited it. So on those 2 sites, they probably will not let you withdraw it to neteller. So, to get the money, you will probably have to withdraw a check (Bank Draft) and then use that money to fund your poker another way!