Pew released a study this week that shows that prepaid cards are a better option for consumers versus checking accounts.

The report divides consumers into three types in terms of their banking expertise: “savvy,” who use direct deposit and avoid fees whenever possible; “basic,” who aren’t as proficient at avoiding fees and have at least one overdraft fee a month; and “inexperienced,” who make heavy use of services but typically pay two overdraft fees a month.

Then, the researchers applied those characteristics to more than 200 checking accounts offered by the 12 largest banks, and 52 prepaid cards available online, to see which accounts best-suited each category.

Interesting take away from the study:

Most consumers use prepaid cards as a way to keep spending within their means; overdraft options run counter to this goal and should not be offered.

Check out the fees below.

Along with the report, “Loaded with Uncertainty,” Pew introduced an online tool to help consumers determine which option is best for them. Which one is right for you? Fill out the quick Pew survey below and find out.