One of the main differences between a Wisely prepaid debit card and a regular debit card is that Wisely offers prepaid debit cards vs. a deposit-based account. With a Wisely card, there are no overdraft fees because you can’t spend more than what is available on your card. In cases where identity verification is needed, Wisely does this without checking your credit or impacting your score in any way. A Wisely prepaid debit card is also reloadable, so you can add funds to it in a variety of ways. A regular debit card is tied to an account, which usually holds deposited funds. You can then access the funds by writing checks and making ATM withdrawals or electronic transfers.