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This really is too bad, was convenient at some points for me. Any good suggestions that are of the similar load-and-use-as-needed variety?

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If you're using a Wallet card now you should get an email about this from Google. They have two cards they suggest moving to, Simple and one from Amex. Looks like they're both giving $20 to users who migrate from Google Wallet.

AMEX requires 3 direct deposits of $500 or more.

Simple does not seem to have that condition.

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