How is a debit card with a checking account different from this >PASS card?

My parents recently got me a Freedom checking account from Iberia Bank, which is completely free to have, and the bank will waive all ATM fees and overdrafts in an emergency will be charged to my parent’s card. It’s just for saving for my Pontiac and parts, and I need to keep paychecks somewhere.

American Express has some teen-oriented prepaid card which I have no idea how it is different from the checking account. I’m not interested yet, but it seems exactly the same mechanically. Only difference I see is a cute little picture area to put your ugly face on.

So what gives?