You can save hundreds of dollars a year on check cashing fees simply by using a direct deposit credit card. This is a prepaid card issued as a MasterCard or Visa.

To use direct deposit you must fill out a form and turn it into the payroll department of your employer. Then your paychecks will automatically be deposited into your account.

You will still be issued a paystub for you personal records. This will show you how many hours you worked and how much was taken out of you check for taxes.

You can access your account and check the balance online and see recent card activity. You can direct deposit payroll checks, pension and retirement checks, social security, government checks and more.

Once the money is in your account you can use the prepaid debit card to make purchases. These cards are accepted online and over the phone.

You can use this card to make hotel reservations and rent a car. Cash can be accessed through ATM machines just like a check card.

You also will have access to a feature called bill pay. This is a free method where checks will be made and sent to pay bills. This will save you money because you will no longer need to buy money orders.

In addition to that some cards offer free credit builder. This is a feature that will record your payments using bill pay with a credit reporting agency. Providing you with an opportunity to show future lenders you are credit worthy.

There is no chex systems verification or credit check. This card works just like a checking account.

You will never have to pay overdraft fees, over the limit fees or interest charges with this card. Some cards even offer free activation for enrolling in direct deposit.

You will still be approved if you have bad credit or if you are in chex systems. This is just like a second chance checking account. We suggest you stop paying check cashing fees and buying money orders and get a direct deposit prepaid credit card.