According to this, there should still be the option of cashing out to a check.
http://www.hrblock.ca/services/benefits.asp
The whole debit card thing is a scam, aimed to take advantage of those who financially can't wait to get their refund back, such as the low income individuals.
Those who have direct deposit set up with the CRA should avoid the cash back option and just wait for the gov't to process their refund. If the return is electronically filed, it should take no more than two weeks for the funds to show up in your bank account.