Prepaid debit cards can be an alternative for consumers who have had trouble establishing or improving credit. Bankrate's 2014 Prepaid Debit Cards Survey shows a cross section of what's available in the marketplace today and key provisions of each card.

Prepaid debit cards
Debit card Monthly maintenance fee Card activation fee ATM withdrawal fee (issuer's ATM) ATM balance inquiry
Debit card:American Express Serve Monthly maintenance fee: $1.00 Card activation fee: $0.00 online; $2.95 in retail locations ATM withdrawal fee: N/A* ATM balance inquiry: N/A
Debit card:Bluebird by American Express and Walmart Monthly maintenance fee: $0.00 Card activation fee: $0.00 ATM withdrawal fee:N/A ATM balance inquiry: N/A
Debit card:BBandT MoneyAccount Monthly maintenance fee: $5.00 Card activation fee: $0.00 ATM withdrawal fee: $0.00 ATM balance inquiry: $1.00
Debit card:BBVA Compass SafeSpend Card Monthly maintenance fee: $4.00 Card activation fee: $0.00 ATM withdrawal fee: $1.00 ATM balance inquiry: $1.00
Debit card:Chase Liquid Monthly maintenance fee: $4.95 Card activation fee: $0.00 ATM withdrawal fee: $0.00 ATM balance inquiry: $0.00 at Chase ATMs; $2.00 at out-of-network ATMs
Debit card:Comerica Bank Convenience Card (through Elan Financial Services) Monthly maintenance fee: $3.95 Card activation fee: $5.95 ATM withdrawal fee: $0.00 ATM balance inquiry: $1.00
Debit card:Comerica Bank Independence Prepaid Card (through Elan Financial Services) Monthly maintenance fee: $3.95 Card activation fee: $5.95 ATM withdrawal fee: $0.00 ATM balance inquiry: $1.00
Debit card:Fifth Third Access 360 degrees Reloadable Prepaid Card Monthly maintenance fee: $7.00 Card activation fee: $0.00 ATM withdrawal fee: $0.00 ATM balance inquiry: $0.00
Debit card:Mango Prepaid MasterCard (by First Bank and Trust, Brookings, S.D.) Monthly maintenance fee: $5.00 Card activation fee: $0.00 ATM withdrawal fee: N/A ATM balance inquiry: $0.50
Debit card:Walmart MoneyCard MasterCard, Basic (by Green Dot Bank) Monthly maintenance fee: $3.00 Card activation fee: $3.00 ATM withdrawal fee: N/A* ATM balance inquiry: $1.00
Debit card:Walmart MoneyCard MasterCard, Plus (by Green Dot Bank) Monthly maintenance fee: $3.00 Card activation fee: $4.00 ATM withdrawal fee: N/A* ATM balance inquiry: $1.00
Debit card:Walmart MoneyCard MasterCard, Preferred (by Green Dot Bank) Monthly maintenance fee: $3.00 Card activation fee: $6.00 ATM withdrawal fee:N/A* ATM balance inquiry: $1.00
Debit card:Green Dot Reloadable Prepaid Card, Gold Monthly maintenance fee: $5.95 Card activation fee: $4.95 at retail store; free if ordered online ATM withdrawal fee:N/A* ATM balance inquiry: No fee at MoneyPass ATMs; $0.50, otherwise
Debit card:HandR Block Emerald Prepaid MasterCard Monthly maintenance fee: $0.00 Card activation fee: $0.00 ATM withdrawal fee: N/A ATM balance inquiry: $1.00
Debit card:Western Union MoneyWise Prepaid MasterCard (by MetaBank) Monthly maintenance fee: $2.95 Card activation fee: $0.00 ATM withdrawal fee: $1.95 ATM balance inquiry: $0.45
Debit card:Moneygram AccountNow Prepaid Visa Debit Card (by MetaBank) Monthly maintenance fee: $9.95 Card activation fee: $4.95 ATM withdrawal fee: $2.50 ATM balance inquiry: $1.00
Debit card:NetSpend Visa Prepaid Debit Card, Pay-As-You-Go Plan (by MetaBank) Monthly maintenance fee: $0.00 Card activation fee: $0.00 ATM withdrawal fee: $2.50 ATM balance inquiry: $0.50
Debit card:PayPower Visa Prepaid Card (by MetaBank, certain services by Blackhawk California) Monthly maintenance fee: $5.95 Card activation fee: $0.00 online; $3.95 (may vary by retailer) ATM withdrawal fee: $1.95 ATM balance inquiry: $0.50
Debit card:UPside Visa Prepaid Card, Classic plan (by MetaBank) Monthly maintenance fee: $4.95, if loading less than $500; $0.99 if loading more than $500 Card activation fee: $0.00 ATM withdrawal fee: $1.95 ATM balance inquiry: $0.99
Debit card:PNC SmartAccess Prepaid Visa Card Monthly maintenance fee: $5.00 Card activation fee: $0.00 ATM withdrawal fee: $0.00 ATM balance inquiry: $2.50
Debit card:Regions Now Card Monthly maintenance fee: $5.00 Card activation fee: $4.00 ATM withdrawal fee: $0.00 ATM balance inquiry: $2.50
Debit card:SunTrust Prepaid MasterCard Monthly maintenance fee: $5.00 Card activation fee: $4.00 ATM withdrawal fee: $0.00 ATM balance inquiry: $1.00
Debit card:TD Go Card Monthly maintenance fee: $0.00 Card activation fee: $4.95 ATM withdrawal fee: $0.00 ATM balance inquiry: $3.00
Debit card:AchieveCard Visa Prepaid Card, Gold Plan (by The Bancorp Bank) Monthly maintenance fee: $9.95 Card activation fee: $0.00 ATM withdrawal fee: $0.00 ATM balance inquiry: $0.95
Debit card:READYdebit Visa Prepaid Card, Select Plan (by The Bancorp Bank) Monthly maintenance fee: $9.95 Card activation fee: $9.95 ATM withdrawal fee: $2.25 ATM balance inquiry: $0.00
Debit card:The Approved Card from Suze Orman (by The Bancorp Bank) Monthly maintenance fee: $3.00 Card activation fee: $3.00 ATM withdrawal fee: $2.00 ATM balance inquiry: $1.00
Debit card:Prepaid Visa RushCard, Pay As You Go Plan (by The Bancorp Bank) Monthly maintenance fee: $0.00 Card activation fee: $3.95-$9.95 ATM withdrawal fee: $0.00 ATM balance inquiry: $0.50
Debit card:Univision MasterCard Prepaid Card (by The Bancorp Bank) Monthly maintenance fee: $9.95 Card activation fee: $0.00 ATM withdrawal fee: $0.00 ATM balance inquiry: $1.95
Debit card:U.S. Bank Contour Card Monthly maintenance fee: $4.00 Card activation fee: $4.00 ATM withdrawal fee: $.00 ATM balance inquiry: $0.00
Debit card:Wells Fargo EasyPay Card Monthly maintenance fee: $5.00 Card activation fee: $0.00 ATM withdrawal fee: $0.00 ATM balance inquiry: $2.00

*Not applicable; but free at MoneyPass ATMs.

Bankrate.com surveyed 30 prepaid debit card offers from Feb. 10-19, 2014. These are the resulting fees, restrictions and other card provisions.

Copyright 2014, Bankrate Inc.