Do you need a checking account or will a prepaid debit card work?

I'm assuming here that this question is being asked in order to improve one's FICO. Neither will directly work in that neither type of acct. is reported to CRAs. However, a checking acct. indirectly affects one's FICO because it is needed in order to show a payment history to a creditor such as credit card. Prepaid debit cards have no affect on credit reports.