You can get a Bluebird american express at Walmart. Money can be loaded directly by debit card or bank via your login page with no fees. You can also set up a family account which can be used to keep funds in. Typically I will use it for a $5 gas purchase (with only $5 in the account) then I will log in and transfer $5 from the family account to the main card and voila the "big freeze" was avoided. Next I can transfer all money except $5 away from family account and use that card.