When one is in a debt crisis with potential wage and/or bank garnishments, one must look for a vehicle that stays the farthest below any radar. I currently have debit cards with bank accounts, but a good scout must "be prepared." Most banks pull a credit report and/or chexsystem report. These records are easily obtained by someone attempting to track your "potential" bank (checking/debit) accounts.
I am finding prepaid debit Visa cards out there that can be loaded up to $10K. They are not bank accounts. One card that can be obtained from a mainstream bank can hold $2500.00 and you simply walk in the bank and buy one for $2500. Your name never comes up.
Many of the cards have a one-time activation fee of around $6.00. As long as you don't use an ATM for cash, there are no more fees. Generally there are expiration dates. It does appear that if one was concerned with a bank garnishment/levy, it would not be impossible to take your paper paycheck and buy a few prepaid cards. This is especially nice when one needs a card for rental, motel, etc reservations. In addition, if one is on chexsystem, one can still pick up prepaid cards.
I notice that one can pay almost any bill with a debit card number where I live; phone, cable, insurance, etc. These are nice temporary options for someone who can't get a checking account.
I'm lookin gfor the day when one doesn't receive a paycheck, but the company just puts your paycheck on their own VISA/Mastercard debit card. It seems VISA would be all over this.