Here is a hypothetical...

If one has a merchant account individually (no corp., etc.) and the bank deposits the batch currency from transactions, I understand this to not be a lawful redemption without a new signature card filed. Thus, if one then uses that deposit currency to purchase a postage label from a company such as Stamps.com (not stamps, but a barcode label), what action must be taken to translate this into a lawful redemption?

Must one withdrawal and then deposit again?

Since this is not actually a stamp, but rather it is a directed label with a specific recipient named on the label, I don't view it as actual lawful money. I cannot exchange with someone else. I either use it, which would then constitute use of the label once scanned by a USPS worker, or request a refund if it is not used.

For that matter, it would seem to me that without some redemption step, any debit against the direct deposit would constitute using private credit, yes?