LOL. Read a lot more. Pathward is a bank. The other main bank is Sutton. You'll see Metabank sometimes, but they changed their name to Pathward literally because Zuckerburg paid them to do it when he changed Facebook to Meta. There's a few other banks seen here and there including Sunrise and USBank that back these gift cards.

BHN is processor. They handle the network, not the banking. The other processor is Incomm. Generally the bank matters a lot less than the processor, but Incomm/Sutton has been the least problematic. Still, other things matter including the channel where the card is distributed. e.g. I have yet to see a single DP of an Incomm bought online locking up, but Incomm's bought at brick and morter have been problematic since the 2023 Holiday season. As for BHN, there are differences between the "plain" VGC and MCGC bought at ODOM vs. Staples. Search for posts from me with the word "experiments" in the title to see what I uncovered. Beyond that, there are differences between the "plain" vgc vs the 5Backs and Everywheres.

Read up and learn my friend.