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Prepaid cards vs. debit cards: A prepaid card is not linked to a bank checking account or to a credit union share draft account. Instead, you are spending money you placed in the prepaid card account in advance. This is sometimes called “loading money onto the card”. In most cases, you can’t spend more money than you have already loaded onto your prepaid card. Overspending can occur with a checking account for some types of uses, and with a bank account debit card if you have “opted in” to your bank’s overdraft program.
This means that your bank may charge you a fee for covering the cost of a purchase or ATM withdrawal that exceeds what you have in your account. Your bank will also require you to repay the overdraft.
Click on the link to know more about the difference between a prepaid card, a credit card, and a debit card: https://cardinsider.tumblr.com/post/676973219198238720/secured-credit-card-vs-prepaid-card