Most banks have restrictions on their debit cards. The best way to go is to buy a pre-paid netspend visa. You can buy them at most retailer locations and they work every time. There is a load fee for $3.95 but it is well worth it if you're based in the U.S. I had the same problem trying to deposit money online before I knew about netspend and had to go through the w.u. or moneygram. Netspend is much more convenient and you can even load it from the comfort of your own home. Make SURE it is visa though and not mastercard
or you will be denied any deposits.