<prompt> Human: I do not mind a small monthly charge, just no fee when buying something. I have Netspend right now, which is free..except online purchases cost 1 extra, and stores cost 4. I also have Bluebird, an Amex, which is free all-around I think?, but not every place accepts Amex...anything out there thats worth signing up for? Theres so many choices. And Im not looking for a chequing account atm, im young and just looking to store a bit of money for emergency. thanks  <response>: Paying a 1 fee per purchase on a debit card is crazy. Seriously, just go open a student account at a bank or credit union. They are typically fee free and you can get a debit card that charges no fees.Regardless of where, a debit card as opposed to a credit card requires a bank account 