Ok with FBC no need for proof of income, letters, photo's or any of that madness. Just ID and Cash. Adding money to FBC is easy and you can withdraw from anywhere there is Zimswitch / Mastercard
Now Payoneer gave me an American Routing Number or ABA with Bank of America and an Account number same institution. So when i want to add money I need someone in the states to do the deposit for me... usually someone who needs someone to get $$ here and that kind of thing. I have so far been unable to get a SWIFT code so I can do international wire, thats why I say its tricky. Now some time ago there was an articule about using Skrill I think to move the money, but I never explored that option as I have one or two people in the states anyway who help with loads.