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/Peo, FreeWebSpace.net
Yahoo has a deal where you can get a Dot Com for $1.99 / First Year. I am using them. Just be sure to cancel after the first year or its $12.95 to Renew. Oh I forgot to mention, they accept PayPal. That is what I used to buy my domain =)
you have a bank account, so are you of legal age to get a bank card?
because, most of the time PayPal flips out about the card issue, regardless of if you are paying directly from your bank.
also, what do you class as cheap? GoDaddy is cheap. Even at $10 for a .com, but with coupons get it for $6.