MADISON, Wis. (1/11/11)--AOL consumer finance website WalletPop.com advised young adults to check out their local credit unions in a recent article on what financial products they should choose and which ones they should leave behind. The article advised young consumers of financial services to opt for a bank or credit union checking account over a prepaid debit card. The article specifically pointed cost-conscious readers to credit unions. “Our experts recommend checking out local credit unions, since these often have lower fees than banks,” the article said. Prepaid cards don’t offer the same protections as checking accounts, the article said. With monthly fees and activities charges, prepaid cards also tend to be more expensive than checking accounts.