archy it depends upon your usage and requirements..like
1.if you are gonna do many online transaction and you run a business for the same reason then you should go for a verified business account..
2.if you have to receive money mostly and send some money online then try premier account if you are into paid to sites as they do mass pay which is accepted by premier account features and some of the sites support premier and verified accounts..
3.if not into paid to site just go for a simple personal account so as to receive and send money without any fee..