I know this is 9 months late, lol but I have several Pre-paid cards that I use and they work just like a bank account. I got tired of all the fees the bank charged and just stopped using them. I can pay my bills online for free also, so it's just like a regular credit/debit card. I have 4 of them listed on my site. There are more out there, but the 4 I have listed are one that I have personally tried and have worked well. You use it just like a bank account. They have routing numbers and account numbers, just like a checking account would. So I use them with pay pal and my direct deposit.
You can visit my webpage to see the ones I recommend:
Stop by my hub and let me know if I helped :)