i have had my pre-paid visa from walmart, issued by GE money bank, now for over a yr, my husband has one in his name and i have one with my name, i can go online to pay bills with it, make reservations, track our spending, re-load with cash at any walmart, plus it is also set up for direct deposit, its way easier than a checking account that can be over-drawn or paying interest, plus its immediate.
i can check the balance 24/7 online, by calling the 800# or have it sent text to my phone, i even have it set up to send me a text whenever it is used(with the new balance total) so i know when my husband uses the account! i dont have to carry large amounts of cash around. and i dont like going to the bank, waiting in line, balancing a check book, worrying about over-drafts, waiting until the next day for the funds to be available
this card has been a life saver and i love it, im sorry you had a bad experience, but thats not the case with me. ive never felt "ripped off". i use it everyday, i have the # memorized i use it so much, its safe, annonomous, doesnt cost me but $3 to add $ and im never charged to use it, except at an ATM, but i never do that because when u pay with it at walmart you can just get cash back for free.