Originally Posted by
littlewinglet
I don't understand how credit score matters when you're coming to a bank to store your money but maybe it does. And you can disable overdrafting. Maybe it seems obvious and common sense to us but not that demographic.
"Credit" in this context likely refers to bank account-related CRAs like ChexSystems, Telecheck, etc. which track bank-related things such as accounts closed for excessive overdrafts or with a negative balance. Many (maybe even most) banks and CUs won't open an account for someone with outstanding items on those reports, and this is one market these prepaid products are intended for.
You're right that not overdrafting and such is just common sense to us, but remember that we're the "overbanked" - managing one's finances well is effectively a prerequisite to MS, and most of us have bank accounts and CCs all over the place.