[Ignitionnet]

Just get a basic bank account with a cheque book? If those guys don't allow overdrafts they certainly won't be offering a cheque guarantee card.

In fact they don't, and that card isn't a debit card it's a prepaid Mastercard. Do expect to pay through the nose for withdrawing cash on it.

Avoid, avoid, avoid.

EDIT: Alternatively just get a planned overdraft and exercise some willpower.