www.telecheck.com
Bottom line is anyone who has a credit card MUST have a checking account (in the US.) The only problem is guaranteeing those funds, and until TeleCheck somehow decides to accept adult (won't happen) the industry should investigate their technology and try to come up with something comparable. I was told by 3 different places at one time or another 'we're working on a guaranteed funds check solution' but have yet to see a thing.
C.