Go to your bank (or any bank) and ask to open a low-cost, low-fee Savings Account. Be very honest and explain that you like to play online poker and want to open a separate account specifically for use online. Deposit $110 (extra $10 for bank fees, etc). Also explain that the online account verification process includes InstaDebit (or other no-charge money handler) depositing a small amount of less than $2 to your account - you quote this amount to InstaDebit in an email to verify account ownership. InstaDebit will send your transfer directly to Full Tilt Poker.

To register with InstaDebit (no-charge money transfers), go to the Full Tilt Poker site, and click CASHIER and then click `Deposit Options' (or Google "InstaDebit"). Registration takes about 5 minutes; IP address confirmation is done during business hours; once information is confirmed, InstaDebit sends small deposit to your account; check your account and email InstaDebit quoting amount received; now send $100 to your Full Tilt Poker account via InstaDebit account.