another credit or debit card. you can transfer once from your bank account for free every month. $1.50 for an atm withdrawal. if you don't use the card for three days in a row, you pay $30. bieber gets $3.75 million to put his money on it. spend smart issues the bieber card. it defends its fees, saying it's trying to help parents and teens start a conversation about reasonable spending and bieber helps get that message out. greg mcguide from bankrate.com says celebrity cards usually aren't the best value. >> consumers that are looking for lower fee, prepaid debit cards can find them. they're just not going to be those endorsed by celebrities. >> reporter: traditional bank fees are rising too. maybe that's why so many don't seem to mind they're paying so much for prepaid debit cards. the amount of money put on them almost tripled from '08 to '12. it's expected to top $168 billion.