Stephra, I'm not sure if I made myself clear enough. I have a bank account, but it was recommended to me to make a new one. I don't want to pay for any account creation fees, so I might check out the prepaid debit first. I hope it's not too much work for you to read my posts.
Thanks again.
You said in the OP that your parents read your credit card statements. This led me to believe you're using a credit card that is in your parents' name. I can think of no other reason your parents should be reading your statements.
Credit card is not equal to bank account.
If you're worried about paying fees, understand that prepaid debit costs money too. Visa doesn't make those cards out of the goodness of their hearts. Many banks, however, will offer free checking if you keep a minimum balance, or open the account with a certain amount of money. It's really only a minor inconvenience, not a huge hassle. If you can fill your schedule on class registration day... setting up a checking account is much much easier! I'd personally be somewhat upset if my parents were reading my bank statements.
Then again, I fled home right after graduating high school, so we might just be coming from different angles. I wanted to be free of my parents ASAP when I turned 18. I'm guessing your parents are a lot more.. um... involved than mine were.
Either way, check out the review forums before making a decision on Blu. There are a lot of models and brands out there, and many report disappointing experiences with Blu. Be sure that you're making an informed decision!