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t is estimated that about 40 million Americans do not have a bank account. For many, they are unable to qualify for a bank account because of past bounced checks.

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The top prepaid cards can be used to pay bills online.

Just like a bank account, you can have funds transferred from a prepaid credit card to pay car loans, the mortgage, utilities, or just about any other monthly expense.

You don’t have to go to the trouble and expense of driving to a check cashing store to cash your paycheck. If you receive a government or benefits check, you can also have it deposited directly onto prepaid cards for no fee.

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You can also use prepaid cards at ATM machines to withdraw cash.

There are several prepaid cards that will waive all fees if you have your paycheck direct deposited to the card.

With direct deposit, your paycheck will be added to your card on payday.

Bounce too many checks, and you’ll find yourself in the Chexsystems, which many banks use to evaluate potential new banking customers.

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For others it’s simply a distrust of the banking system or frustration with limited hours or the hoops one has to jump through to get service.Did you know the top online dating sites and apps all offer 100% free trials to new users?