Pinnacle
I would simply open a new account at Pinny and if you already have one, they will tell you via email...
I would put together a list of all your questions and email it to them. I suspect you'll get detailed answers in less than 15 minutes. 5 minutes if it is 1 question, 15 if it is 10... Beats a phone call as you then have it in writing.
But basically, Pinnacle is very fair. I believe neteller is free coming and going at least once a month maybe more. There may be a minimum - that I am not sure.
-Sean