For most payday loans you must have a checking account. To open up a checking account the procedure is simple and you can do it online sometimes even using a credit card to fund the account.
1. Open up a checking account at Citibank.com that lets you use a credit card or other options for funding. You can just put in $10 or so. You do not have to have direct deposit to have a Citibank account.
2. Get your checking account number
3. Apply for Payday loan with your checking account number
If for some reason you are having trouble opening up a checking account you may try a service such as Second Chance Checking where you will have to have a direct deposit to open the account but you will not have to worry about Telecheck or bad credit.