Keep in mind that a prepaid debit card is very different from a traditional bank account debit card. Whereas a bank account debit card is linked to funds in your bank checking or savings account, a prepaid debit card involves paying in advance to load funds onto the card and then using the money you have pre-loaded onto the card. Depending on what type of prepaid debit card you choose to use, there can be varying fees, such as fees for ATM withdrawal, ATM balance inquiry, monthly fees or a fee for every time you use the card. According to a July 2013 Consumer Reports survey, the three best prepaid debit cards are the American Express Bluebird Card, the H&R Block Emerald Prepaid MasterCard and the Green Dot Prepaid Card. Using one of these cards is a great way to keep your budget in check this season, avoiding the dreaded “holiday debt hangover” come January!