The AccountNow Prepaid Visa Card works at more than 1 million ATMs worldwide. It can be hard to get the help you need through an AccountNow representative, which could deter customers. Also, debit cards make spending easy—you can just swipe to pay, and you’ve got an electronic record of every transaction to help you track your spending. Use: Make purchases everywhere Mastercard debit is accepted. Similar to a prepaid card, a debit card is another good way teenagers can learn about bank account savings and how to manage money. Not all prepaid cards offer a savings option, though. Many checking and savings accounts require a minimum monthly balance. You won’t pay overdraft, bounced check or monthly fees. 4.95 activation fee, cardholders won’t pay fees for overdrafts, bounced checks or direct deposits. Card activation. You will need to activate the card before you can use it. Plus, use Chase’s mobile app to instantly deposit a check to your account.