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When I signed up online, they mailed me my Visa card, which is referred to as "all access Visa". So if you happened to have seen any of these at your local grocery store, that could be your reload option. It has worked directly as using it as just plain Visa/credit card, too (hope I don't jinx anything by saying that!!) And don't forget the direct deposit is free (you can just elect to have something like $50 out of your pay put on it).
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