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The Visa linked to your checking account does not act like a credit card for the purpose of building credit, but simply for making transactions at your bank. You can probably get out of the down payment if you can provide proof of another form of credit...like a car payment, an electric bill, etc. If you have a good enough credit rating, you are likely to not need any of these.
The only other way out of the down payment would be to get another credit card...but that would not show sufficient credit history unless you had it a while in most cases. A credit check will be run on you, and depending on the service provider, you may need a hefty chunk up front and that chunk is often hard to get back. There are ittle stipulations in the contract like," must pay bill on time every time" and "refundable only in certain areas" and other fine print that allows them to keep the money. Do your best to keep from paying that money up front. My girlfriend got burned for $400.00 because she lived in the wrong area (mail in refund not available in that area- $150.00) and her payment was 2 days late once (Late pay = no refund of $250.00 deposit).
Read all the fine print and ask lots of questions and if worse comes to worse get one of the prepaid plans (that don't require anything down) many places are offering while you build some credit and then switch to your provider of choice.
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