Next week, you may be one of 1 million Americans to get an invitation from the IRS to join a pilot program for tax preparers without bank accounts.

The idea is that you will be able to register to receive your tax refunds via a debit card. The program is expected to get refunds into Your hands faster, plus the cards won't have a penalty fee at thousands of ATMs. If it all works out, this well-designed pre-paid card will be a good alternative to bank accounts. It will have low fees, free access to customer service, and can be used year round for financial transactions.