So let me get this straight - (because no where does it seem that any of this is fully and clearly explained all in one place):
With a GM personal verified account, you can deposit and withdrawal funds relatively easily via ACH for no fees. But you can't get a GM prepaid mastercard.
With a GM verified holding, you can get a prepaid mastercard, but you can't fund or withdrawal funds via ACH, so you have to pay extra fees to do so via credit/debit card or via wire transfer.
Plus with a Holding, you have to pay a monthly storage fee, which you don't have to pay if you just have the GM personal account.
So bottom line, a GM personal account is a lot cheaper and easier, but you can't get the prepaid card. The Holding is more expensive but you can get the pre paid card.
Have I said anything incorrect?
Right now I am having buyer's remorse for having opened a Holding account and transferred money from my personal account to the Holding account. From my perspective, it isn't any better and now I'm paying more fees, and I can't fund or withdrawl money from the Holding without paying more fees than I was when I was funding the personal account.