Many consumers choose to use prepaid debit cards because they do not require a bank account; however, associated fees can make them expensive to use. "You have to pay money to use a prepaid debit card and there are alternatives out there where you can get into a low- or no-cost banking account that won't charge you the same fees as a prepaid debit card," explains Alex Obregon, chair of the Bank on Houston financial education committee. Bank on Houston not only offers affordable accounts but also financial education to help consumers learn to handle their money responsibly. A Cardhub.com survey of prepaid debit cards, meanwhile, found that 62 percent of prepaid card offers do not have features that help meet basic consumer needs like online bill paying and free check loading. There are some circumstances when it makes sense to use prepaid debit cards, however, including for online shopping that will not compromise banks accounts or card limits. Those who want to use prepaid debit cards should shop around to get the lowest fees.