Debit account services featuring a computer readable card; financial and monetary services, electronic commerce payment services, namely, establishing funded accounts used to purchase goods and services; providing stored value accounts in an electronic environment; prepaid banking and online cash account services; financial transaction services involving payments to online and offline retailers, merchants and content providers using cash account information stored in a centralized database; electronic funds and currency transfer services; transaction authorization and settlement services; cash disbursement services; financial services for funding online cash accounts from prepaid cash cards, bank accounts and credit card accounts; distribution and issuing of debit cards