When Sonya Ferguson started to do the math on how much it was costing her to fill up her pre-paid debit card, she wondered if there was a better way. Her main method of banking consisted of check cashing outlets and pawn shops. Recalling a recent experience, she said, “I asked for a pre-pay card, and they said ‘$10.’ I said ‘Ok, I want to put $100 on it.’ They said ‘$5, you have to pay to put $100 on your pre-pay card.’ I said, ‘But it’s my card!’”   Ferguson said she realized she didn’t have enough money for

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