Prepaid debit cards can be an alternative for consumers who have had trouble establishing or improving credit. Bankrate’s 2012 survey offers a rundown of the card’s many variables, including fees, restrictions and factors that may affect a consumer’s decision in choosing a prepaid debit card.

First California AchieveCard Prepaid MasterCard
Monthly maintenance fee $9.95
Can the monthly fee be avoided? No
Prepaid debit card activation fee None
Prepaid card issuer’s ATM withdrawal fee $2.00
Nonissuer’s ATM withdrawal fee, not including any bank $2.00
ATM balance inquiry fee None
Fees for point-of-sale transactions None
Fees for signature transactions None
Paper statement fee $2.95
Bill payment fee Cardholders get three per month free and then they are $1.50 each.
Fee for customer service by phone None
Declined transaction fee None
Inactivity fee The card closes after 90 days.
Notes: There is a $4.95 charge for MoneyPack reloads at retailers. surveyed 18 prepaid debit card offers from March 19-23, 2012. These are the resulting fees, restrictions and other card provisions.

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