TAILIEUCHUNG - Prepaid Cards: Second-Tier Bank Account Substitutes

Contributing to the improvement of living conditions, supporting the local economic develop- ment and building greater social cohesion in the local communities where they operate is an integral part of savings banks’ identity and one of their distinctive features amongst financial players. These commitments to society activities, traditionally developed by savings banks, are however only one of the pillars of savings banks’ broader Corporate Social Responsibility (CSR) approach. Their long-term commitment towards meeting the critical needs of local commu- nities and society have increasingly materialized by the integration of social, environmental as well as economic concerns in their business operations and stakeholder. | Prepaid Cards Second-Tier Bank Account Substitutes Consumers Union the nonprofit publisher of Consumer Reports By Michelle Jun Staff Attorney With Consumer Federation of America and National Consumer Law Center on behalf of their low-income clients September 2010 with Fee Update West Coast Office 1535 Mission Street San Francisco CA 94103 I. Introduction Prepaid cards or general purpose reloadable cards are marketed as sensible attractive alternatives to check cashiers and traditional bank accounts. 1 However consumers face dangers and traps with prepaid cards which are becoming the foundation of a second-tier banking system that shadows the traditional banking system. Until consumers who use prepaid cards are guaranteed the same protections as consumers who use traditional debit and credit cards consumers who use prepaid cards will be at risk of losing all their money face multiple high and sometimes confusing fees and be offered convenient but very expensive forms of credit associated with the card. It would be easy to assume that a prepaid card has the same features and protections as a traditional debit or credit card. The prepaid card industry puts out advertisements and other promotional materials with slogans like The Checking Account alternative that lets you borrow money and builds credit No Hidden Fees and Bank On Your Own Terms. 2 In addition prepaid cards look like other plastic payment cards and usually bear network logos of Visa MasterCard or Discover often have the word debit printed prominently on the front of the cards and can be used to make payments in many circumstances where traditional debit cards or credit cards could also be used. Prepaid cards are a growing business. Sizable sums of money have been loaded onto prepaid cards in recent years. Green Dot one of the major prepaid card players reported that in 2008 more than 4 billion in transactions were made using its cards that UniRush Financial Services reported that 2 billion had been

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