[Rick Lee]

I think Wal-Mart cards go through Green Dot, which has routing and account numbers. But most of the folks who have them won't know that or that they can use those numbers for ACH/EFT payments/deposits. Unfortunately, the biggest bank around here is Chase, which does whatever the hell they want with ACH/EFT payment dates, no matter what date the customer has authorized payment. So a lot of those folks get crushed by NSF fees and just quit banking altogether.