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The big difference is that prepaid cards are more lightly regulated than bank accounts, which is a concern to consumer advocates because the quality and consumer-friendliness of the cards on the market varies widely as a result.

It’s still a buyer-beware marketplace, and breaks down the details in its annual survey of the 24 biggest prepaid cards by market share.

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If you are at an office or shared network, you can ask the network administrator to run a scan across the network looking for misconfigured or infected devices.

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A word about monthly fees: About two-thirds of the cards in Bankrate’s survey charge a monthly fee.

Roughly half of those can be waived if you have a paycheck or benefits direct-deposited onto the card, but some of the thresholds are prohibitively high.