mos-Netteller has many advantages, such as allowing quick w/d from one book and into another. You refer to using a check and I think that is a terrible way. At some books you must wait 60 days before getting a payout when using a check. Western Union is a pain w/ all of the questions and if you use them enough, you will eventually be put on the " Govt watch list" and not be allowed to use the either.