I get a percentage taken out when royalties are deposited into my account. How it works is if there is not ONE DEPOSIT that is $250 or more they rape. So I can have a $249 deposit, a $120, a $99 and a $1. No amount at $250? Well then we're taking a small cut for your direct deposit fee. The other way they get me is by not using my card 10 times per month.
As for those cards, one of my bros strictly uses them for online purchases from amazon, bestbuy, etc.
But I don't incur overdraft fees. If I don't have the money I simply don't make the purchase.