<P> In 2009 a company called PEX Card launched a corporate expense card service aimed at business users . </P> <P> As of 2017, many other companies also offer the cards . </P> <P> As of 2013, several city governments (including Oakland, California and Chicago, Illinois) are now offering prepaid debit cards, either as part of a municipal ID card (for people such as illegal immigrants who are unable to obtain a state driver's license or DMV ID card) in the case of Oakland, or in conjunction with a prepaid transit pass (Chicago). These cards have been heavily criticized for their higher - than - average fees, including some (such as a flat fee added onto every purchase made with the card) that similar products offered by Green Dot and American Express do not have . </P> <P> The U.S. federal government uses prepaid debit cards to make benefits payments to people who do not have bank accounts . In 2008, the U.S. Treasury Department paired with Comerica Bank to offer the Direct Express Debit MasterCard prepaid debit card . </P>

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