http://www.blackhatworld.com/blackhat-seo/ebay/305702-online-banks-just-dont-care.html#post2812937
The magic method you are looking for is in this post:
This will create a VBA you can use for verifying at different sites, BUT you will have to supply more documentation to keep it open as an actual functioning account. Otherwise, getting a debit card with a bank account no (to receive direct deposits) is relatively easy, though you will have to supply SSN/documents in most cases.