First, apply for the card. For this, you will need to upload a copy of your ID and proof of address (I think,I applied a long time ago).
In my case, my account was approved within 24-hours. After approval, you can login to your Payoneer account. When you have your card, hit the withdrawl button and you will get an email confirmation asking if you want to withdraw immediately ($3) or in 2 working days ($1).
When funds are in your account, you can login and click on ‘add bank account.’ Here you add all your bank details. Coinditions are that accounts must be in your name and in your country.
I don’t think there is a fee for withdrawing to a bank account in the US but there is a 1.8% fee for me on top of exchange rates from dollars to Euros.
In all, it is a very easy process and the benefit of Payoneer is that if you use the card 3 times per month, there are no fees. I believe that direct deposits (without applying for the card) cost more than $1, hence why applying for the card might be a better deal.
Also, (despite my current loathing of Payoneer CS) the card is handy to have for streamlining income from other freelance sources and being able to operate anywhere in the world.