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I cash all my checks immediately, then I use a prepaid bank card for only 5 bucks a month to load up at any ATM to pays bills. When Im at stores I only use cash. While we still have that option...

I also use a prepaid card, but it charges a fee for ATM transactions. I pay 1 buck per month for the card (Wirex)

Chase's liquid card is only 5 bucks a month and you can load and take money out at will with no other fee's. Check my lastest posts if you get a min. Thx, enjoy your Sunday