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I agree with you post article. Prepaid Debit Cards have no direct link to your bank account, so it is more secure,and there are no interest charges like credit cards. And some Prepaid Debit Cards, such as NetSpend offer a 5% APY rate for savings, there is no enrollment fee, and for those who choose to have their payroll direct deposited onto their cards, there are no signature purchase or pin purchase fees. Hope this helps!