So what's the difference between a prepaid debit card, a bank debit card and a what used to be called an ATM card? The real differences are more technical than actual. For both kinds of cards, you deposit your own money with the card account and withdraw it as you see fit, either by making ATM cash withdrawals or by using the card for purchases. A bank card or ATM card (sometimes called a check card) is connected to a checking account. Typically, there are no fees associated with purchases, or when using an ATM within the bank's network. In contrast, a prepaid card is not connected with a checking account but stands alone. There is usually small feeds that you pay for using the card. For example, $1 for every purchase and $4 a month to maintain the card. A prepaid card is an excellent choice for people who would like to get a traditional debit card but have trouble opening a bank account.