unless they've changed the rules recently I don't believe you can use bank transfer and the debit card on the same payoneer account, you have to choose one or the other.
I refuse to use the card for accepting payments from sites/partners because the ATM fees are so outrageous to me, but I use global bank transfer with sites that don't send checks and I love it. when I asked Nissim about also getting the card to accept the occasional private load, I was told that payoneer doesn't support both options on the same account.
unless you have a site that only pays out to the card that should't be a big deal, the bank transfer option will save you a to of $$$$ in the long run. def check with
Nissim though, payoneer may have changed their rules on that since I inquired about earlier this year.