I'm working at Lowe's for the summer (watering plants, pretty nice gig) and they use the pay cards too Gaffer, and yeah they really suck. I thought if I just used that I wouldn't have to worry about bank fee's that always get me into trouble, but instead I just get more fee's. So I just always take all my money out when I get paid and operate on a cash-only basis.
Also, nice buy! Please Please Me in mono is amazing.