I used checkcard Visa with Wachovia Bank , I use ATM to take cash or cashback at the register with buying foods at Publix Supermarkets. I use checkcard for shopping. I paying T-Mobile and Sprint bills on my checkcard
If Visa or NYCE is not available and I will pay with cash. I don't want to write a checks, If bills online isn't available and I will pay bill by money orders then send mail.