Specifications include, but are not limited to: 1. A reloadable, prepaid debit card. 2. An electronic option for receiving government agency payments. 3. Not a credit card, but works similarly to other debit cards. 4. Once funds are added to the card account, it can be used to make purchase, pay bills, and make online, phone or mail-order purchases. 5. Be able to get cash back with purchases at participating merchants or withdraw cash at ATMs, banks or credit unions. 6. Person's money can be automatically deposited to the card account 7. Account information and customer service 24 hours per day. 8. Card has the prestige and purchase protection given to VISA branded cardholders without a credit check. 9. View account details online 10. Free email or text alerts when funds have been deposited to the account or when balances get low. 11. Mobile banking app availability 12. Perform balance inquiries at an ATM