CreditSights, a research firm, points out that the bank's deposit growth has been stagnant: deposits at its checking accounts grew only 1% in the second quarter compared with the year before, even though the bank has expanded hugely in the meantime.

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Federal deposit account insurance for prepaid cards applies differently than i does for bank accounts and may be capped at less than the value of all of the prepaid cards issued by a particular card program.

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