Accessible Version - Report to the Congress on Government-Administered, General-Use Prepaid Cards - 2017
Maps 1-6. States offering prepaid card funding options
| State |
SNAP |
Child Support |
Unemployment Insurance |
TANF |
WIC |
Tax Refund |
| Alabama |
1 |
1 |
1 |
1 |
0 |
0 |
| Alaska |
1 |
1 |
1 |
1 |
0 |
-1 |
| Arizona |
1 |
1 |
1 |
1 |
0 |
0 |
| Arkansas |
1 |
1 |
1 |
1 |
0 |
0 |
| California |
1 |
1 |
1 |
1 |
0 |
0 |
| Colorado |
1 |
1 |
1 |
1 |
1 |
0 |
| Connecticut |
1 |
1 |
1 |
1 |
1 |
0 |
| Delaware |
1 |
1 |
1 |
0 |
1 |
0 |
| District of Columbia |
1 |
1 |
1 |
1 |
0 |
1 |
| Florida |
1 |
1 |
1 |
1 |
1 |
-1 |
| Georgia |
1 |
1 |
1 |
1 |
0 |
0 |
| Hawaii |
1 |
1 |
0 |
1 |
0 |
0 |
| Idaho |
1 |
1 |
1 |
1 |
0 |
0 |
| Illinois |
1 |
1 |
1 |
1 |
0 |
1 |
| Indiana |
1 |
1 |
1 |
1 |
1 |
0 |
| Iowa |
1 |
1 |
1 |
1 |
1 |
0 |
| Kansas |
1 |
1 |
1 |
1 |
0 |
0 |
| Kentucky |
1 |
1 |
0 |
1 |
1 |
1 |
| Louisiana |
1 |
1 |
1 |
1 |
0 |
0 |
| Maine |
1 |
1 |
1 |
1 |
0 |
0 |
| Maryland |
1 |
1 |
1 |
1 |
0 |
0 |
| Massachusetts |
1 |
1 |
1 |
1 |
1 |
0 |
| Michigan |
1 |
1 |
1 |
1 |
1 |
0 |
| Minnesota |
1 |
1 |
1 |
1 |
0 |
0 |
| Mississippi |
1 |
1 |
1 |
1 |
0 |
0 |
| Missouri |
1 |
1 |
1 |
1 |
0 |
0 |
| Montana |
1 |
1 |
1 |
1 |
0 |
0 |
| Nebraska |
1 |
1 |
1 |
1 |
0 |
0 |
| Nevada |
1 |
1 |
1 |
1 |
1 |
-1 |
| New Hampshire |
1 |
1 |
0 |
1 |
0 |
-1 |
| New Jersey |
1 |
1 |
1 |
1 |
0 |
0 |
| New Mexico |
1 |
1 |
1 |
1 |
1 |
0 |
| New York |
1 |
1 |
1 |
1 |
0 |
1 |
| North Carolina |
1 |
1 |
1 |
1 |
0 |
0 |
| North Dakota |
1 |
1 |
1 |
1 |
0 |
0 |
| Ohio |
1 |
1 |
1 |
1 |
1 |
0 |
| Oklahoma |
1 |
1 |
1 |
1 |
1 |
1 |
| Oregon |
1 |
1 |
1 |
1 |
1 |
0 |
| Pennsylvania |
1 |
1 |
1 |
1 |
0 |
0 |
| Rhode Island |
1 |
1 |
1 |
1 |
0 |
0 |
| South Carolina |
1 |
1 |
1 |
1 |
0 |
1 |
| South Dakota |
1 |
1 |
1 |
1 |
0 |
-1 |
| Tennessee |
1 |
1 |
1 |
1 |
0 |
-1 |
| Texas |
1 |
1 |
1 |
1 |
1 |
-1 |
| Utah |
1 |
1 |
1 |
1 |
0 |
0 |
| Vermont |
1 |
1 |
0 |
1 |
1 |
0 |
| Virginia |
1 |
1 |
1 |
1 |
1 |
0 |
| Washington |
1 |
1 |
1 |
1 |
0 |
-1 |
| West Virginia |
1 |
1 |
1 |
1 |
1 |
0 |
| Wisconsin |
1 |
1 |
1 |
0 |
1 |
0 |
| Wyoming |
1 |
1 |
1 |
0 |
1 |
-1 |
Figure 1. Funds discbursed through prepaid cards in 2016 by program type
| Program Type |
Funding |
% of Total |
| Tax refund |
127,439,503 |
0.1% |
| Payroll |
415,382,423 |
0.3% |
| Veterans |
993,356,477 |
0.7% |
| WIC |
1,023,999,380 |
0.7% |
| Other |
2,346,896,889 |
1.6% |
| Cash assistance |
8,498,404,664 |
5.8% |
| Child support |
13,618,699,399 |
9.3% |
| Unemployment |
20,795,308,198 |
14.3% |
| Social Security |
32,218,424,114 |
22.1% |
| SNAP |
65,659,922,795 |
45.1% |
Figure 2. Issuer revenue by source, 2016
| CY2016 (Current Year) |
CY2015 (Prior Year) |
CY2014 (Prior Year) |
Change 2015-2016 |
Change 2014-2016 |
| Variable |
Revenue |
% of Total |
Revenue |
% of Total |
Revenue |
% of Total |
YR/YR Change |
YR/YR % Change |
YR/YR Change |
YR/YR % Change |
| Revenue Breakout: |
|
|
|
|
|
|
|
|
|
|
| Total Revenue: Fees assessed to government office(s) |
$8,111,590.00 |
2% |
$8,858,053.97 |
1.7% |
$6,436,157.00 |
1.3% |
($746,463.97) |
-8.4% |
$1,675,433.00 |
26.0% |
| Total Revenue: Value of payments and incentives received from PCNs |
$23,611,196.00 |
5% |
$19,788,617.04 |
3.8% |
$16,035,407.02 |
3.3% |
$3,822,578.96 |
19.3% |
$7,575,788.98 |
47.2% |
| Total Revenue: Interchange Fees |
$328,228,072.00 |
63% |
$330,591,244.97 |
63.1% |
$309,641,202.74 |
63.1% |
($2,363,172.97) |
-0.7% |
$18,586,869.26 |
6.0% |
| Total Revenue: Cardholder Fees (Reported Total) |
$158,156,378.00 |
31% |
$164,607,148.27 |
31.4% |
$158,292,913.86 |
32.3% |
($6,450,770.27) |
-3.9% |
($136,535.86) |
-0.1% |
| Total revenue |
$518,107,236.00 |
100.0% |
$523,845,064.25 |
100.0% |
$490,405,680.62 |
100.0% |
($5,737,828.25) |
-1.1% |
$27,701,555.38 |
5.6% |
| Cardholder Fee Breakout: |
|
|
|
|
|
|
|
|
|
|
| Total Revenue: Cardholder Overdraft Fees |
$405,288.00 |
0.3% |
$93,453.62 |
0.1% |
$21,632.08 |
0.0% |
$311,834.38 |
333.7% |
$383,655.92 |
1773.6% |
| Total Revenue: Cardholder Routine Monthly Fees |
$505,696.00 |
0.3% |
$601,486.55 |
0.4% |
$2,568,595.70 |
1.6% |
($95,790.55) |
-15.9% |
($2,062,899.70) |
-80.3% |
| Total Revenue: Cardholder OTC Fees |
$514,231.00 |
0.3% |
$1,201,110.76 |
0.7% |
$1,263,494.80 |
0.8% |
($686,879.76) |
-57.2% |
($749,263.80) |
-59.3% |
| Total Revenue: Cardholder Purchase Transaction Fees |
$2,858,524.00 |
1.8% |
$3,338,777.28 |
2.0% |
$2,798,186.06 |
1.8% |
($480,253.28) |
-14.4% |
$60,337.94 |
2.2% |
| Total Revenue: Cardholder Other Fees |
$1,640,896.00 |
1.0% |
$3,878,156.67 |
2.4% |
$8,912,295.57 |
5.6% |
($2,237,260.67) |
-57.7% |
($7,271,399.57) |
-81.6% |
| Total Revenue: Cardholder Penalty Fees |
$2,928,410.00 |
1.9% |
$5,847,074.09 |
3.6% |
$8,167,019.92 |
5.2% |
($2,918,664.09) |
-49.9% |
($5,238,609.92) |
-64.1% |
| Total Revenue: Cardholder Customer Service Inquiry Fees |
$17,193,339.00 |
10.9% |
$18,071,546.81 |
11.0% |
$18,427,778.06 |
11.6% |
($878,207.81) |
-4.9% |
($1,234,439.06) |
-6.7% |
| Total Revenue: Cardholder Account Servicing Fees |
$42,886,353.00 |
27.1% |
$42,887,020.44 |
26.1% |
$27,433,660.51 |
17.3% |
($667.44) |
0.0% |
$15,452,692.49 |
56.3% |
| Total Revenue: Cardholder ATM Fees |
$89,223,641.00 |
56.4% |
$88,688,521.58 |
53.9% |
$88,700,251.62 |
56.0% |
$535,119.42 |
0.6% |
$523,389.38 |
0.6% |
| Total Revenue: Cardholder Fees (All) |
$158,156,378.00 |
100.0% |
$164,607,147.80 |
100.0% |
$158,292,914.32 |
100.0% |
($6,450,769.80) |
-3.9% |
($136,536.32) |
-0.1% |
Figure 3. Cardholder fees: revenue and average fee charged in 2016, by type of fee
| Variable |
Revenues |
Revenues (millions) |
Variable |
Jurisdiction |
Avg Fee |
Position |
Black dot size |
| Total Revenue: Cardholder Overdraft Fees |
$405,288.00 |
$0.4M |
Avg cardholder fee: Overdraft |
Total |
$0.83 |
1 |
0.15 |
| Total Revenue: Cardholder Routine Monthly Fees |
$505,696.00 |
$0.5M |
Avg cardholder fee: Routine Monthly |
Total |
$2.05 |
2 |
0.15 |
| Total Revenue: Cardholder OTC Fees |
$514,231.00 |
$0.5M |
Avg cardholder fee: OTC |
Total |
$2.25 |
3 |
0.15 |
| Total Revenue: Cardholder Purchase Transaction Fees |
$2,858,524.00 |
$2.9M |
Avg cardholder fee: Purchase Transaction |
Total |
$0.44 |
4 |
0.15 |
| Total Revenue: Cardholder Penalty Fees |
$2,928,410.00 |
$2.9M |
Avg cardholder fee: Penalty |
Total |
$0.61 |
5 |
0.15 |
| Total Revenue: Cardholder Customer Service Inquiry Fees |
$17,193,339.00 |
$17.2M |
Avg cardholder fee: Custumer Service Inquiry |
Total |
$0.40 |
6 |
0.15 |
| Total Revenue: Cardholder Account Servicing Fees |
$42,886,353.00 |
$42.9M |
Avg cardholder fee: Account Servicing |
Total |
$3.10 |
7 |
0.15 |
| Total Revenue: Cardholder ATM Fees |
$89,223,641.00 |
$89.2M |
Avg cardholder fee: ATM |
Total |
$1.00 |
8 |
0.15 |
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Last Update:
September 25, 2017