We have two bank accounts at the same bank. One we put money in as needed and use it right away. We use the card on this account for online purchases and to pay bills. We have a card for the other account, but rarely use it. All of our income is direct deposited into this account. We can transfer funds from one account to the other on the banks website. Also, just because your card is canceled does mean that you can not go food shopping. You can go to the bank and withdraw funds from your account.