http://bisjac.net/bisjac/images/Spending%20power.jpgcheck it out. this is how bisjac rolls.
-two wellsfargo checking accounts, one for online use and one for everyday normal stuff.
-the USbank card is my monthly native money, thats where the tribe deposits it (and today is the 15th, so when i go out i can grab those moneys lol)
-my etrade debit, and paypal debit. in case i want to use those balances.
-and like 25 bucks. for when that gay mcdonalds is like "our system is down" or when you are trying to split paying for food with the friends.
but you see how all the cards have that little credit card logo. thats what changes em from a cash atm card, to a debit card. and allows them to go online.

online banking is for the big boys. - this is wellsfargo online
transfer money back and forth to paypal and etrade in a second.
or move money from one account to another (like how your online debit is usually kept empty until you need it)