You can also open up a second account or even a third if you are already a customer. Just go in and ask them to open a second checking for whatever reason you choose. If you don't plan to use it, $100 keeps you from incurring fees or you can do a deposit/transfer in from Paypal which counts as the one required monthly deposit. You will get charged an initial fee for your debit card being printed for $15 but once you email and successfully complete the shop (do be attentive) you will get it refunded into the account. Be sure to go through the scheduler, though, because you don't want outted. Once the account is approved, the shop is approved, etc. I believe the company only requires you to keep it open for 4 days and then the scheduler can work to get it closed for you. You must ZERO out the balance before the scheduler can close it, though. I have transferred in from Paypal to get a nice round number so I could use the ATM to zero it out and then email in to fix it.
The report isn't really bad for a bank shop, honestly, but anticipate lots of answers and a bit of narrative on the report. I found it easier to read through the report, then write a narrative outside the report, and paste in answers and add ons after the fact. I have done 3 of these particular shops. Not too bad. I would also recommend if you have spotted them -- consider the Wells Fargo banks too. Those were nice for the $60 pay and I've done 2 of them as well. After a year, you can pick up more.