These are used for online payments, fund transfers and all other online transactions. You will need at least one of these to withdraw funds and make investments in any of the programs you can find on next pages.
So far any PTC and HYIP I signed in, supports this e-bank. Also you can get some money for refering people here.
This one is supposed to be new e-bank. It is still in testing phase, and you get virtual dolars every day to spend on test purchases. Developers promise that in Stage 2 it will be possible to convert virutal dolars in real ones. Be carefull though, don't spend any real money in case you are not sure what you are buying.