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Believe me, you can find a free debit card. I opened up a bank account at one of the local banks and I transfer only a certain amount into the account every payday for spending money. As long as I use the card 5 times per cycle or keep a $100 balance there is no monthly fee and ATM transactions are no charge at numerous ATM machines around the city. I can also get cash back at many retail locations. Paying $3.00 a month for a prepaid card is completely unnecessary.