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Why prepaid debit cards are appealing to so many

Prepaid debit cards are typically promoted as a convenient alternative for people who don't have a bank account. Turns out they have a much broader appeal.

A new report from the Pew Charitable Trusts found that most people who use general purpose reloadable prepaid cards have used mainstream financial products in the past and may be using them now. In fact, these cards are often a complement to a checking account, rather than a replacement.

These cards work like a checkless checking account. They can be used at any store that accepts credit cards and they provide access to cash at ATMs. Money is loaded onto the card with cash at a store or online. And there's no need for a credit check.

For this first-of-a-kind study, Pew surveyed adults who use prepaid cards at least once a month and found that 59 percent currently have a checking account and 45 percent had used a credit card in the past year.

Why do people who have checking accounts—that already come with a debit card—use prepaid cards?

"To gain control of their finances, avoid overspending and overdraft fees," said Pew's Alex Horowitz. "This way they know they can put a certain amount on the card and spend that and no more."

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Consumer advocates have been critical of prepaid cards because they can have a variety of fees for routine transactions—such as checking the balance or using an out-of-network ATM, and these fees may not be clearly disclosed.

More cards are charging a monthly fee, like a checking account, and fewer have a la carte fees for services like point-of-sale purchases, ATM transactions and live customer service calls," said Susan Weinstock, director of Pew's Safe Checking in the Electronic Age Project. "Prepaid cards are almost universally less expensive this year than in 2012."

Weinstock said for someone who tends to run up costly overdraft fees, a prepaid card can be a "better deal" than a checking account.


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