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It’s not at all uncommon for consumers to spend 3% or more to get a paycheck cashed.

In addition to high cost, check cashing stores present several other problems to consumers. Taking your paycheck to a check cashing store and walking out with hundreds of dollars in cash is like wearing a bulls eye on your back.

Second, there is simply the question of inconvenience.

The weekly trip to a check cashing store takes time and gas.

For those that can’t get a checking account or simply don’t want one, there is a no cost, convenient, and safe alternative to check cashing stores–a prepaid credit card with no fees or low fees.

The key to finding the right prepaid credit card is to find one that charges no fees or very small fees.

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