I use the Mastercard debit card from Key Bank, though it does have an annual fee. I have found it to be quite useful since I already had several accounts with the bank and always use the "credit" selection with purchases so I can avoid the transaction fee. Slightly off topic, but isnt it funny how difficult some retailers are making it to use the "credit" function over the "pin" function when using debit cards? It usually takes a couple more screens and quite often it isnt obvious that there is a choice. Sorry, I am giving them my business and I am certainly not going to pay a PIN transaction fee to do so.