We use green dot as our bank account. Our paychecks are direct deposited onto it and you can use it just like any other debit card and still track your purchases online like you would any account. Green Dot Money Packs are the cards you can buy for 4.95 to reloard the debit card. They waive the monthly debit card fee if you have more than 30 transactions or 1,000 deposited onto the card.