March 10th, 2011 
admin Late in 2006, University signed a contract with a second vendor for a prepaid card that connected to cardholders’ cell phones. Features relative to the original prepaid cards are given below:
| Feature/Function | Mobile Banking Card | Piloted Prepaid Card |
| Card Focus | General Spend | General Spend |
| Transaction Types | Point of Sale and ATM | Point of Sale and ATM |
| Major Card Brand | Visa | MasterCard |
| Bill Payment | No | No |
| Remittances | No | No |
| FDIC Insurance | Yes | No |
| Reload Options | Direct Deposit | None |
| Savings Features | No | None |
| Credit Features | No | None |
It had the following additional features:
• Visa zero-liability protection.
• Cardholders have free phone and on-line account information access.
• Account to account transfers via cell phone.
• Free ACH deposits.
• Reloading using cash via MoneyGram, via mail, on-line, and via cell phone.
• Free POS purchases and cash back at POS.
University’s research showed that a large percentage of low-income consumers in its markets own cell phones. Linking the card to a cell phone allowed the card to be turned on/off by the consumer as a way to prevent fraud.
Cardholders could receive text messages requesting transaction authorization, and make transactions via cell phone.
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