Quick question about Firepay and Bonuses

[nsdjoe]

In one of the FAQs in these forums I saw that Firepay isn't recommended (neteller is instead), why is this? Seems to me firepay has a lower transaction fee (flat $3.99 rather than neteller's percentage), and it's always been very quick to transact money each way for me.

Also, I want to start with a bankroll of $200, but I want the maximum bonus at PartyPoker, which requires me to deposit $500. Can I deposit the $500 to get the maximum bonus dollars, then withdraw $300 of it right away? Or do I have to wait to clear the bonus to withdraw any money?

Thanks,
Joe