The Bluebird® American Express® Prepaid Debit Account is a fee-friendly alternative to traditional banking. It's a reloadable prepaid debit card that functions like a checking account, allowing you to deposit money, make purchases, pay bills, send money to others, and withdraw cash at ATMs—without monthly fees, overdraft fees, or minimum balance requirements. It's FDIC-insured (up to applicable limits) and accepted anywhere American Express cards are. Launched in 2012 as a partnership between American Express and Walmart, it's ideal for managing everyday finances confidently, especially if you want to avoid bank fees or build better money habits.