Target Circle (Reloadable) Card - Question

Please forgive me if this post is out of place for this sub (first time here, hello all!) I was looking into the Target Circle reloadable card, but it seems the only ways to load money on it without a fee is in person/with cash, or by having a direct deposit set up for paychecks, etc. Am I correct in this? Is there any way to transfer money over to the reloadable card without a fee, using something like paypal, Venmo, through one's bank, etc? Seems like the fees negate the savings of the card.

Any help or experiences with the reloadable or any of the Target cards would be appreciated. Thanks so much!