In reply to Joshua.

Joshua, check out www.myecheck.com; they have an app coming out in early 2015 where you will be able to "load" money onto the app and you will not be required to have a bank account; I believe you'll be able to load the money using ATMs and certain stores. You will be able to make payments with this app as well. Check out Sionic as well; they are partnering with MyECheck to offer huge rewards for not using a credit card.