Why bother with a bank account when you can get all the same services with a prepaid debit card? Many of these cards now offer many of the same services most people look for in a bank including the following:

• ability go get paid via free direct deposit
• ability to make payment using Visa/Mastercard
• ability to pay bills online
• ability to pay bills with checks via phone! ($2.95 fee applies)
• ability to accept ACH payments – great for people involved in affiliate programs
• ability to add money in variety of ways (without having to stand in line at the bank)

Some cards, such as Account Now, even allow you to borrow money and to build up your credit.

If you’ve ever had the unfortunate experience of paying a $35 insufficient funds fee (overdraft) for a check paid on the same date a deposit was made then do yourself a favor and switch to a prepaid card and save yourself the money and hassle of dealing with a checking account.

Here are 3 prepaid cards to consider:

1. Account Now
2. Vision Premier Prepaid Visa
3. RushCard