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For example, if the cardholders enroll the card for federal benefits, they are charged $2. Oakland's card also charges $1 every time money from federal benefits is put on the card via direct deposit.

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The prices listed on the current terms and conditions of the card also include:

-- 75 cents for each purchase.

-- A $2.99 monthly fee.

-- A $1.50 fee for using in-network, domestic ATMs. Out-of-network ATMs can charge more.

-- A $1.75 fee for every call to customer service.

-- A $1 minimum fee for loading the card at a Western Union.

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