Thanks for all the responses , I think I figured a way to remain on Circle . I saved these prepaid debit cards that were sent in the mail . I activated one that is essentially a green dot card with a checking account number and a routing number . I tried first to add it using the card number , but it rejected it saying it was a prepaid debit card , and wasn ' t accepted . I then tried adding it as bank account , with the account and routing number . It seemed to have worked , but is pending based on two amounts they send to it , and for me to verify those amounts . So if you ' re in NY state and can get one of these cards , if it has a routing and checking number , it seems like it might work . <| sep |> My laptop screen can attest to the fact that I sneezed unexpectedly a couple of minutes ago .