You can go into any check cashing place and buy a Visa debit card by netspend, or their disposable card by all access called a gift card. Netspends card is reloaadable and is accept by all books offshore as well as poker or gambling sites. You do NOT have to use either of them in one spot. You CAN use them for NETeller deposits, and I feel it's worth the 3.9% because you can then withdraw using NETeller without going through the hassle of sending in ID's and explaining what a debit card is all about. When you make your deposit with the reloadable card, they charge you another $1 to make the deposit wherever it's made. So if you use NETeller and are going to send money to more than one place, you can figure you are saving that dollar by using NETeller. You can put that savings towards your 3.9%. So what I do when reloading my card is add extra money for the expected charges. So say I'm depositing $500, I'll reload for $503 to allow for the 3.9% NETeller and the $1 charge from the Netspend card.