Get a pre-paid NetSpend MasterCard. I went online to get it so my name will be on it. It will take 7 day(s) to get to you. When you get it, you can reload at participating location(s) depending where you are. I load cash at my local gas station & it takes 20 - 30 mins for it to show on my account - then I load my 5D account & it's instant. No issues using the pre-paid NetSpend MasterCard.