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Document And Entity Information Document - shares	9 Months Ended
Document And Entity Information Document - shares	Sep. 30, 2012	Oct. 31, 2012
Entity Information [Line Items]
Entity Registrant Name	GREEN DOT CORP
Trading Symbol	GDOT
Entity Central Index Key	0001386278
Current Fiscal Year End Date	--12-31
Entity Filer Category	Large Accelerated Filer
Document Type	10-Q
Document Period End Date	Sep. 30, 2012
Document Fiscal Year Focus	2012
Document Fiscal Period Focus	Q3
Amendment Flag	false
Class A common stock [Member]
Entity Information [Line Items]
Entity Common Stock, Shares Outstanding		31,320,883
Class B common stock [Member]
Entity Information [Line Items]
Entity Common Stock, Shares Outstanding		4,552,319

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2012	Dec. 31, 2011
Current assets:
Unrestricted cash and cash equivalents	$ 164,418	$ 223,033
Federal funds sold	3,000	2,400
Investment securities available-for-sale, at fair-value	72,611	20,647
Settlement assets	43,650	27,355
Accounts receivable, net	43,428	41,307
Prepaid expenses and other assets	21,417	11,822
Income tax receivable	825	3,371
Net deferred tax assets	6,656	6,664
Total current assets	356,005	336,599
Restricted cash	12,784	12,926
Investment securities available-for-sale, at fair value	73,777	10,563
Accounts receivable, net	6,539	4,147
Loans to bank customers, net of allowance for loan losses of $298 and $0 as of September 30, 2012 and December 31, 2011, respectively	7,688	10,036
Prepaid expenses and other assets	1,666	202
Property and equipment, net	52,205	27,281
Deferred expenses	6,923	12,604
Goodwill and intangible assets	43,514	11,501
Total assets	561,101	425,859
Current liabilities:
Accounts payable	30,520	15,441
Deposits	38,529	38,957
Client Funds Held	23,137	0
Settlement obligations	43,650	27,355
Amounts due to card issuing banks for overdrawn accounts	49,117	42,153
Other accrued liabilities	32,186	16,248
Deferred revenue	10,996	21,500
Total current liabilities	228,135	161,654
Other accrued liabilities	12,374	6,239
Deferred revenue	0	19
Net deferred tax liabilities	6,295	4,751
Total liabilities	246,804	172,663
Stockholders’ equity:
Additional paid-in capital	152,783	131,383
Retained earnings	161,361	121,741
Accumulated other comprehensive income	110	30
Total stockholders’ equity	314,297	253,196
Total liabilities and stockholders’ equity	561,101	425,859
Convertible Series A perferred stock [Member]
Stockholders’ equity:
Preferred stock	7	7
Class A common stock [Member]
Stockholders’ equity:
Common stock	31	30
Class B common stock [Member]
Stockholders’ equity:
Common stock	$ 5	$ 5

Consolidated Balance Sheets (Parenthetical) - USD ($) shares in Thousands, $ in Thousands	Sep. 30, 2012	Dec. 31, 2011
Allowance for loan losses	$ 298	$ 0
Convertible Series A perferred stock [Member]
Preferred stock, par value	$ 0.001	$ 0.001
Preferred stock, shares authorized	10	10
Preferred stock, shares issued	7	7
Preferred stock, shares outstanding	7	7
Class A common stock [Member]
Common stock, par value	$ 0.001	$ 0.001
Common stock, shares authorized	100,000	100,000
Common stock, shares issued	31,314	30,162
Common stock, shares outstanding	31,314	30,162
Class B common stock [Member]
Common stock, par value	$ 0.001	$ 0.001
Common stock, shares authorized	100,000	100,000
Common stock, shares issued	4,560	5,280
Common stock, shares outstanding	4,560	5,280

Consolidated Statements of Operations - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
Operating revenues
Card revenues and other fees	$ 54,138	$ 49,966	$ 176,011	$ 158,214
Cash transfer revenues	41,832	34,724	121,721	98,260
Interchange revenues	39,581	34,246	122,615	105,035
Stock-based retailer incentive compensation	(1,202)	(3,549)	(6,985)	(13,785)
Total operating revenues	134,349	115,387	413,362	347,724
Operating expenses
Sales and marketing expenses	51,930	40,851	157,516	126,164
Compensation and benefits expenses	29,041	21,763	83,074	64,566
Processing expenses	18,802	17,576	58,668	54,639
Other general and administrative expenses	18,050	13,889	51,869	41,192
Total operating expenses	117,823	94,079	351,127	286,561
Operating income	16,526	21,308	62,235	61,163
Interest income	982	239	3,116	574
Interest expense	(20)	(105)	(51)	(202)
Income before income taxes	17,488	21,442	65,300	61,535
Income tax expense	6,875	8,139	25,680	23,461
Net income	10,613	13,303	39,620	38,074
Income attributable to preferred stock	(1,704)	0	(6,385)	0
Net income allocated to common stockholders	$ 8,909	$ 13,303	$ 33,235	$ 38,074
Class A common stock [Member]
Earnings per common share
Basic	$ 0.25	$ 0.32	$ 0.93	$ 0.91
Diluted	$ 0.24	$ 0.30	$ 0.90	$ 0.86
Weighted-average common shares issued and outstanding
Basic	30,067	23,401	29,502	21,322
Diluted	35,826	42,426	35,901	42,486
Class B common stock [Member]
Earnings per common share
Basic	$ 0.25	$ 0.32	$ 0.93	$ 0.91
Diluted	$ 0.24	$ 0.30	$ 0.90	$ 0.86
Weighted-average common shares issued and outstanding
Basic	4,585	17,124	4,884	18,985
Diluted	5,732	19,023	6,346	21,155

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
Statement of Income and Comprehensive Income [Abstract]
Net income	$ 10,613	$ 13,303	$ 39,620	$ 38,074
Other comprehensive gain, net of tax [Abstract]
Unrealized holding losses arising during period, net of relcassification adjustments for amounts included in net income	60	(31)	80	(9)
Comprehensive income	$ 10,673	$ 13,272	$ 39,700	$ 38,065

- Definition

The change in equity [net assets] of a business enterprise during a period from transactions and other events and circumstances from non-owner sources which are attributable to the reporting entity. It includes all changes in equity during a period except those resulting from investments by owners and distributions to owners, but excludes any and all transactions which are directly or indirectly attributable to that ownership interest in subsidiary equity which is not attributable to the parent.

+ References

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- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

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- Definition

Appreciation or loss in value (before reclassification adjustment) of the total of unsold securities during the period being reported on, net of tax. Reclassification adjustments include: (1) the unrealized holding gain (loss), net of tax, at the date of the transfer for a debt security from the held-to-maturity category transferred into the available-for-sale category. Also includes the unrealized gain (loss) at the date of transfer for a debt security from the available-for-sale category transferred into the held-to-maturity category; (2) the unrealized gains (losses) realized upon the sale of securities, after tax; and (3) the unrealized gains (losses) realized upon the write-down of securities, after tax.

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+ Details

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011
Operating activities [Abstract]
Net income	$ 39,620	$ 38,074
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Depreciation and amortization	12,564	8,772
Provision for uncollectible overdrawn accounts	42,098	46,210
Employee stock-based compensation	9,041	7,042
Stock-based retailer incentive compensation	6,985	13,785
Amortization of premium on available-for-sale investment securities	954	157
Net gain on investment securities	(8)	0
(Recovery) provision for uncollectible trade receivables	(420)	150
Impairment of capitalized software	912	348
Deferred income taxes	(32)	107
Excess tax benefits from exercise of options	(2,665)	(2,159)
Chanegs in operating assets and liabilities
Settlement assets	(16,295)	(3,312)
Accounts receivable, net	(45,385)	(44,494)
Prepaid expenses and other assets	(11,022)	(2,360)
Deferred expenses	5,681	1,673
Accounts payable and other accrued liabilities	21,809	(2,813)
Settlement obligations	16,295	3,312
Amounts due issuing bank for overdrawn accounts	6,964	5,780
Deferred revenue	(10,523)	(4,156)
Income tax receivable	6,743	10,393
Net cash provided by operating activities	83,316	76,509
Investing activities [Abstract]
Purchases of available-for-sale investment securities	(200,755)	(40,062)
Proceeds from maturities of available-for-sale securities	29,708	10,000
Proceeds from sales of available-for-sale securities	55,855	0
Increase in restricted cash	142	(5,159)
Payments for acquisition of property and equipment	(23,312)	(16,997)
Net principal collections on loans	2,348	0
Acquisition of Loopt, Inc., net of cash acquired	(33,401)	0
Net cash used in investing activities	(169,415)	(52,218)
Financing activities [Abstract]
Proceeds from exercise of options	2,710	4,341
Excess tax benefits from exercise of options	2,665	2,159
Net increase in deposits	(428)	0
Increase (Decrease) in Client Funds Held	23,137	0
Net cash provided by financing activities	28,084	6,500
Cash and Cash Equivalents and Federal Funds Sold, Period Increase (Decrease)	(58,015)	30,791
Unrestricted cash, cash equivalents, and federal funds sold, beginning of year	225,433	167,503
Unrestricted cash, cash equivalents, and federal funds sold, end of period	167,418	198,294
Cash paid for interest	72	6
Cash paid for income taxes	$ 23,012	$ 12,974

Organization	9 Months Ended
Organization	Sep. 30, 2012
Organization [Abstract]
Organization	Note 1—Organization Green Dot Corporation (“we,” “us” and “our” refer to Green Dot Corporation and its wholly-owned subsidiaries, Next Estate Communications, Inc.; Green Dot Bank; and Loopt, Inc.) is a leading financial services company providing simple, low-cost and convenient money management solutions to a broad base of U.S. consumers. Our products include Green Dot MasterCard and Visa-branded prepaid debit cards and several co-branded reloadable prepaid card programs, collectively referred to as our GPR cards; Visa-branded gift cards; and our MoneyPak and swipe reload proprietary products, collectively referred to as our cash transfer products, which enable cash loading and transfer services through our Green Dot Network. The Green Dot Network enables consumers to use cash to reload our prepaid debit cards or to transfer cash to any of our Green Dot Network acceptance members, including competing prepaid card programs and other online accounts. We market our cards and financial services to banked, underbanked and unbanked consumers in the United States using distribution channels other than traditional bank branches, such as third-party retailer locations nationwide and the Internet. Our prepaid debit cards are issued by Green Dot Bank and third-party issuing banks including GE Capital Retail Bank (formerly GE Money Bank), and during the periods presented, Columbus Bank and Trust Company, a division of Synovus Bank. We also have multi-year distribution arrangements with many large and medium-sized retailers, such as Walmart, Walgreens, CVS, Rite Aid, 7-Eleven, Kroger, Kmart, Meijer and Radio Shack, and with various industry resellers, such as Blackhawk Network, Inc. and Incomm. We refer to participating retailers collectively as our “retail distributors.” Acquisitions In November 2011, the Board of Governors of the Federal Reserve System and the Utah Department of Financial Institutions approved our applications to acquire Bonneville Bancorp, a Utah bank holding company, and its bank subsidiary, Bonneville Bank, renamed Green Dot Bank. We thereby became a bank holding company under the Bank Holding Company Act of 1956. In December 2011, we completed our acquisition of Bonneville Bancorp for approximately $15.7 million in cash. We contributed $14.3 million in cash to Green Dot Bank in December 2011 to provide an initial capital base for its expanded operations. In March 2012, we acquired Loopt, Inc., or Loopt, for approximately $33.6 million in cash in exchange for all of its outstanding shares. We committed to pay $9.8 million in retention-based incentives for employees we hired in connection with the acquisition of Loopt. Loopt's results of operations are included in our consolidated results of operations following the acquisition date. Pro-forma results of operations have not been presented because the effect of this acquisition was not material to our financial results.

- Definition

The entire disclosure for organization, consolidation and basis of presentation of financial statements disclosure.

+ References

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Reference 16: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name FASB Staff Position (FSP)
-Number FAS140-4/FIN46(R)-8
-Paragraph 8, C1, C7
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

Summary of Significant Accounting Policies	9 Months Ended
Summary of Significant Accounting Policies	Sep. 30, 2012
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Basis of Presentation We have prepared the accompanying unaudited consolidated financial statements in accordance with generally accepted accounting principles in the United States of America, or GAAP. We consolidated our wholly-owned subsidiaries and eliminated all significant intercompany balances and transactions. We have also prepared the accompanying unaudited consolidated financial statements in conformity with the instructions to Form 10-Q and Article 10 of Regulation S-X and, consequently, they do not include all of the annual disclosures required by GAAP. Reference is made to our Annual Report on Form 10-K for the year ended December 31, 2011, for additional disclosures, including a summary of our significant accounting policies. There have been no changes to our significant accounting policies during the nine months ended September 30, 2012, except as noted below. In our opinion, the accompanying unaudited consolidated financial statements contain all adjustments, consisting of normal and recurring items, except as otherwise noted, necessary for the fair presentation of our financial position, results of operations and cash flows for the interim periods presented. The results of operations and cash flows for the nine months ended September 30, 2012 are not necessarily indicative of future results. Revisions to Amounts Previously Presented Certain prior period amounts have been reclassified to conform to the current period presentation. Intangible assets of $0.7 million as of December 31, 2011 have been reclassified from prepaid expenses and other assets to goodwill and intangible assets in the consolidated balance sheets and consolidated statements of cash flows. Note 2—Summary of Significant Accounting Policies (continued) Change in Estimate We defer and recognize new card fee revenues, a component of card revenues and other fees, on a straight-line basis over our average card lifetime. We determine the average card lifetime based on our recent historical data for comparable products. Based on recent trends in our historical data, and beginning with the first quarter of 2012, we shortened the period we analyze GPR cards activated from forty-two months prior to each balance sheet date to thirty months. During the third quarter of 2012, we updated our average card lifetime estimate from eight months to seven months. The impact of this change was not material to our unaudited consolidated financial statements. Funds Held on Behalf of Customers Beginning in the third quarter of 2012, we transitioned the remittance of customer funds collected at the point-of-sale for our card issuing program with Columbus Bank and Trust Company to our subsidiary bank. We record customer funds remitted by our retail distributors to Green Dot Bank for which the underlying products have not been activated as funds held on behalf of customers on our consolidated balance sheet. Recent Accounting Pronouncements Recently Adopted Standards In December 2011, the Financial Accounting Standards Board, or FASB, issued Accounting Standards Update, or ASU, 2011-12, Deferral of the Effective Date for Amendments to the Presentation of Reclassification of Items Out of Accumulated Other Comprehensive Income. In June 2011, the FASB issued ASU 2011-05, Comprehensive Income: Presentation of Comprehensive Income, which requires an entity to present the total of comprehensive income, the components of net income, and the components of other comprehensive income either in a single continuous statement of comprehensive income or in two separate but consecutive statements. It eliminates the option to present components of other comprehensive income as part of the statement of changes in stockholders' equity. ASU 2011-05 does not change the items which must be reported in other comprehensive income, how such items are measured or when they must be reclassified to net income. ASU 2011-12 only defers those changes in ASU 2011-05 that relate to the presentation of reclassification adjustments. We adopted these ASUs in the first quarter of 2012. The adoption of these standards did not have a significant impact on our consolidated financial statements. In September 2011, the FASB issued ASU No. 2011-08, Testing Goodwill for Impairment, which provides entities testing goodwill for impairment to now have an option of performing a qualitative assessment before having to calculate the fair value of a reporting unit. If an entity determines, on the basis of qualitative factors, that the fair value of the reporting unit is more-likely-than-not less than the carrying amount, the existing quantitative impairment test is required. Otherwise, no further impairment testing is required. We adopted this ASU in the first quarter of 2012. The adoption of this standard did not have any impact on our consolidated financial statements. In May 2011, the FASB issued ASU 2011-04, Fair Value Measurement: Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs, which converges common fair value measurement and disclosure requirements in accordance with GAAP and International Financial Reporting Standards, or IFRS. We adopted this ASU in the first quarter of 2012. The adoption of this standard did not have a significant impact on our consolidated financial statements. Recently Issued Standards In July 2012, the FASB issued ASU, 2012-02, Intangibles—Goodwill and Other, which amends the guidance in ASC 350-302 on testing indefinite-lived intangible assets, other than goodwill, for impairment by allowing an entity to perform a qualitative impairment assessment before proceeding to the two-step impairment test. If the entity determines, on the basis of qualitative factors, that the fair value of the indefinite-lived intangible asset is not more likely than not (i.e., a likelihood of more than 50 percent) impaired, the entity would not need to calculate the fair value of the asset. In addition, the ASU does not amend the requirement to test these assets for impairment between annual tests if there is a change in events or circumstances; however, it does revise the examples of events and circumstances that an entity should consider in interim periods. ASU 2012-02 is effective for annual and interim impairment tests performed for fiscal years beginning after September 15, 2012, with early adoption being permitted. Our adoption of this ASU is not expected to have a material impact on our consolidated financial statements.

Investment Securities

9 Months Ended

Sep. 30, 2012

Investment Securities [Abstract]

Investment Securities

Note 3—Investment Securities

We classify our investment securities as available-for-sale and report them at fair value with the related unrealized gains and losses, net of tax, included in accumulated other comprehensive income, a component of stockholders’ equity.

As of September 30, 2012 and December 31, 2011, our available-for-sale investment securities were as follows:



	Amortized cost		Gross unrealized gains		Gross unrealized losses			Fair value
	(In thousands)
September 30, 2012
Corporate bonds	$	35,197	$	56	$	—		$	35,253
Commercial paper	27,501		12		(1		)	27,512
Negotiable certificate of deposit	7,900		16		—			7,916
U.S. treasury notes	27,629		10		—			27,639
Agency securities	25,363		25		(2		)	25,386
Municipal bonds	6,237		42		—			6,279
Asset-backed securities	16,379		24		—			16,403
Total fixed income securities	$	146,206	$	185	$	(3	)	$	146,388

December 31, 2011
Corporate bonds	$	16,307	$	27	$	(1	)	$	16,333
Commercial paper	4,998		1		—			4,999
Negotiable certificate of deposit	3,500		—		—			3,500
Agency securities	3,979		12		(4		)	3,987
Municipal bonds	2,379		13		(1		)	2,391
Total fixed income securities	$	31,163	$	53	$	(6	)	$	31,210

As of September 30, 2012 and December 31, 2011, the gross unrealized losses and fair values of available-for-sale investment securities that were in unrealized loss positions were as follows:



	Less than 12 months					12 months or more				Total fair value		Total unrealized loss
	Fair value		Unrealized loss			Fair value		Unrealized loss		Total fair value		Total unrealized loss
	(In thousands)
September 30, 2012
Fixed income securities
Commercial paper	$	6,088	$	(1	)	$	—	$	—	$	6,088	$	(1	)
Agency securities	6,003		(2		)	—		—		6,003		(2		)
Total fixed income securities	$	12,091	$	(3	)	$	—	$	—	$	12,091	$	(3	)

December 31, 2011
Fixed income securities
Corporate bonds	$	2,999	$	(1	)	$	—	$	—	$	2,999	$	(1	)
Agency securities	1,663		(4		)	—		—		1,663		(4		)
Municipal bonds	324		(1		)	—		—		324		(1		)
Total fixed income securities	$	4,986	$	(6	)	$	—	$	—	$	4,986	$	(6	)

We did not record any other-than-temporary impairment losses during the three and nine-month periods ended September 30, 2012 or 2011 on our available-for-sale investment securities. We do not intend to sell these investments or it is more likely than not that we will not be required to sell these investments before recovery of their amortized cost bases, which may be at maturity.

Note 3—Investment Securities (continued)

As of September 30, 2012, the contractual maturities of our available-for-sale investment securities were as follows:



	Amortized cost		Fair value
	(In thousands)
Due in one year or less	$	72,563	$	72,611
Due after one year through five years	55,826		55,904
Due after five years through ten years	1,337		1,363
Due after ten years	101		107
Asset-backed securities	16,379		16,403
Total fixed income securities	$	146,206	$	146,388

Accounts Receivable

9 Months Ended

Sep. 30, 2012

Accounts Receivable [Abstract]

Accounts Receivable

Accounts receivable, net consisted of the following:



	September 30, 2012			December 31, 2011
	(In thousands)
Overdrawn account balances due from cardholders	$	23,597		$	22,139
Reserve for uncollectible overdrawn accounts	(15,366		)	(15,309		)
Net overdrawn account balances due from cardholders	8,231			6,830
Trade receivables	4,910			5,574
Reserve for uncollectible trade receivables	(30		)	(453		)
Net trade receivables	4,880			5,121
Receivables due from card issuing banks	26,793			28,812
Other receivables	10,063			4,691
Accounts receivable, net	$	49,967		$	45,454

Activity in the reserve for uncollectible overdrawn accounts consisted of the following:



	Three Months Ended September 30,						Nine Months Ended September 30,
	2012			2011			2012			2011
	(In thousands)
Balance, beginning of period	$	15,023		$	14,293		$	15,309		$	11,823
Provision for uncollectible overdrawn accounts:
Fees	13,777			15,254			40,101			27,309
Purchase transactions	664			2,069			1,997			3,412
Charge-offs	(14,098		)	(12,613		)	(42,041		)	(23,541		)
Balance, end of period	$	15,366		$	19,003		$	15,366		$	19,003

Loans to Bank Customers

9 Months Ended

Sep. 30, 2012

Loans [Abstract]

Loans

The following table presents total outstanding loans and a summary of the related payment status:



	30-59 Days Past Due			60-89 Days Past Due			90 Days or More Past Due			Total Past Due			Total Current or Less Than 30 Days Past Due			Purchased Credit-Impaired Loans			Total Outstanding
	(In thousands)
September 30, 2012
Real estate	$	250		$	—		$	—		$	250		$	2,959		$	374		$	3,583
Commercial	—			—			—			—			1,181			6			1,187
Installment	312			—			—			312			2,481			125			2,918
Total loans	$	562		$	—		$	—		$	562		$	6,621		$	505		$	7,688

Percentage of outstanding	7.31		%	—		%	—		%	7.31		%	86.12		%	6.57		%	100.00		%



December 31, 2011
Real estate	$	—		$	—		$	—		$	—		$	4,983		$	503		$	5,486
Commercial	2			—			—			2			1,371			44			1,417
Installment	—			—			—			—			2,881			252			3,133
Total loans	$	2		$	—		$	—		$	2		$	9,235		$	799		$	10,036

Percentage of outstanding	0.02		%	—		%	—		%	0.02		%	92.02		%	7.96		%	100.00		%

Nonperforming Loans

The following table presents our nonperforming loans, including impaired loans other than purchased credit-impaired, or PCI, loans. See Note 2–Summary of Significant Accounting Policies to the Consolidated Financial Statements of our 2011 Annual Report on Form 10-K for further information on the criteria for classification as nonperforming.



	September 30, 2012		December 31, 2011
	(In thousands)
Real estate	$	71	$	—
Commercial	52		—
Installment	165		—
Total loans	$	288	$	—

Credit Quality Indicators

We closely monitor and assess the credit quality and credit risk of our loan portfolio on an ongoing basis. We continuously review and update loan risk classifications. We evaluate our loans using non-classified or classified as the primary credit quality indicator. Classified loans are those loans that have demonstrated credit weakness where we believe there is a heightened risk of principal loss, including all impaired loans. Classified loans are generally internally categorized as substandard, doubtful or loss consistent with regulatory guidelines.

The table below presents our primary credit quality indicators related to our loan portfolio:



	September 30, 2012				December 31, 2011
	Non-Classified		Classified		Non-Classified		Classified
	(In thousands)
Real estate	$	3,138	$	445	$	5,125	$	361
Commercial	1,129		58		1,407		10
Installment	2,628		290		2,982		151
Total loans	$	6,895	$	793	$	9,514	$	522

Note 5—Loans to Bank Customers (continued)

Purchased Credit-Impaired Loans

The table below presents the remaining unpaid principal balance and carrying amount for purchased credit-impaired loans:



	September 30, 2012		December 31, 2011
	(In thousands)
Unpaid principal balance	$	1,066	$	1,506
Carrying value excluding allowance for loan losses	505		799

The table below shows activity for the accretable yield on purchased credit-impaired loans:



	Three Months Ended			Nine Months Ended
	September 30, 2012			September 30, 2012
	(In thousands)
Accretable yield at beginning of period	$	98		$	98
Accretion	(5		)	(41		)
Adjustments	37			73
Accretable yield at end of period	$	130		$	130

Impaired Loans and Troubled Debt Restructurings

We consider a loan to be impaired when it is probable that we will be unable to collect all amounts due according to the contractual terms of the loan agreement. Our impaired loans also include loans modified in a troubled debt restructuring, or TDR. Loans whose contractual terms have been modified in a TDR are typically placed on nonaccrual status and reported as nonperforming until the loans have performed for an adequate period of time under the restructured agreement. These impaired loans generally have estimated losses which are included in the allowance for loan losses. Impaired loans exclude purchased credit-impaired loans.

Once we determine a loan to be impaired, we measure the impairment based on the present value of the expected future cash flows discounted at the loan's effective interest rate. We may also measure impairment on loans that are solely dependent on the collateral for repayment based on the estimated fair value of the collateral less estimated costs to sell. If the recorded investment in impaired loans exceeds this amount, we establish a specific allowance as a component of the allowance for loan losses or by adjusting an existing valuation allowance for the impaired loan.

The table below presents key information about our impaired loans. Certain impaired loans do not have a related allowance as the current fair value of these impaired loans exceeds the carrying value. We had no impaired loans as of December 31, 2011:



	September 30, 2012						Nine Months Ended September 30, 2012
	Unpaid Principal Balance		Carrying Value		Related Allowance		Average Carrying Value		Interest Income Recognized
	(In thousands)
With no recorded allowance
Real estate	$	—	$	—	N/A		$	—	$	—
Commercial	141		33		N/A		37		—
Installment	79		36		N/A		52		11
With an allowance recorded
Real estate	$	109	$	99	$	28	$	82	$	7
Commercial	20		20		1		14		—
Installment	306		156		27		126		40
Total
Real estate	$	109	$	99	$	28	$	82	$	7
Commercial	161		53		1		51		—
Installment	385		192		27		178		51

Note 5—Loans to Bank Customers (continued)

When, for economic or legal reasons related to a borrower’s financial difficulties, we grant a concession for other than an insignificant period of time to a borrower that we would not otherwise consider, the related loan is classified as a TDR. The following table presents key information regarding loans that we modified in TDRs during the nine months ended September 30, 2012. Our TDR modifications related to extensions of the maturity dates at a stated interest rate lower than the current market rate for new debt with similar risk:



	September 30, 2012
	Unpaid Principal Balance		Carrying Value
	(In thousands)
Real estate	$	109	$	99
Commercial	161		53
Installment	385		192

Allowance for Loan Losses

We establish an allowance for loan losses to account for estimated credit losses inherent in our loan portfolio. For the portfolio of loans excluding impaired and PCI loans, our estimate of inherent losses is separately calculated on an aggregate basis for groups of loans that are considered to have similar credit characteristics and risk of loss. We analyze historical loss rates for these groups and then adjust the rates for qualitative factors which in our judgment affect the expected inherent losses. Qualitative considerations include, but are not limited to, prevailing economic or market conditions, changes in the loan grading and underwriting process, changes in the estimated value of the underlying collateral for collateral dependent loans, delinquency and nonaccrual status, problem loan trends, and geographic concentrations. We separately establish specific allowances for impaired and PCI loans based on the present value of changes in cash flows expected to be collected, or for impaired loans that are considered collateral dependent, the estimated fair value of the collateral. As of December 31, 2011, there was no allowance for loan losses.

Activity in the allowance for loan losses consisted of the following:



	Three Months Ended			Nine Months Ended
	September 30, 2012			September 30, 2012
	(In thousands)
Allowance for loan losses, beginning of period	$	310		$	—
Provision for loans	39			349
Loans charged off	(51		)	(51		)
Allowance for loan losses, end of period	$	298		$	298

The following table disaggregates our allowance for credit losses and recorded investment in loans by impairment methodology:



	September 30, 2012
	(In thousands)
Collectively evaluated for impairment
Allowance for loan losses	$	242
Carrying value, gross of allowance	7,137
Impaired loans and troubled debt restructurings¹
Allowance for loan losses	$	56
Carrying value, gross of allowance	344
Purchased credit-impaired loans
Allowance for loan losses	$	—
Carrying value, gross of allowance	505
Total
Allowance for loan losses	$	298
Carrying value, gross of allowance	7,986

¹ Represents loans individually evaluated for impairment

- Definition

The entire disclosure for claims held for amounts due a company. Examples include trade accounts receivables, notes receivables, loans receivables.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 3, 4
-Article 5

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 7
-Article 9

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Statement of Position (SOP)
-Number 01-6
-Paragraph 13
-Subparagraph d
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Article 4
-Section 08
-Paragraph k

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.3,4)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=6965416&loc=d3e5074-111524

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6965416&loc=d3e5066-111524

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(k))
-URI http://asc.fasb.org/extlink&oid=6881521&loc=d3e23780-122690

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=6965416&loc=d3e5162-111524

+ Details

Fair Value Measurements

9 Months Ended

Sep. 30, 2012

Fair Value Disclosures [Abstract]

Fair Value Measurements

Under applicable accounting guidance, fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date.

We determine the fair values of our financial instruments based on the fair value hierarchy established under applicable accounting guidance which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. There are three levels of inputs used to measure fair value. For more information regarding the fair value hierarchy and how we measure fair value, see Note 3–Investment Securities to the Consolidated Financial Statements of our 2011 Annual Report on Form 10-K.

As of September 30, 2012 and December 31, 2011, our assets carried at fair value on a recurring basis were as follows:



	Level 1		Level 2		Level 3		Total Fair Value
	(In thousands)
September 30, 2012
Corporate bonds	$	—	$	35,253	$	—	$	35,253
Commercial paper	—		27,512		—		27,512
Negotiable certificate of deposit	—		7,916		—		7,916
U.S. treasury notes	—		27,639		—		27,639
Agency securities	—		25,386		—		25,386
Municipal bonds	—		6,279		—		6,279
Asset-backed securities	—		16,403		—		16,403
Total	$	—	$	146,388	$	—	$	146,388

December 31, 2011
Corporate bonds	$	—	$	16,333	$	—	$	16,333
Commercial paper	—		4,999		—		4,999
Negotiable certificate of deposit	—		3,500		—		3,500
Agency securities	—		3,987		—		3,987
Municipal bonds	—		2,391		—		2,391
Total	$	—	$	31,210	$	—	$	31,210

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 133
-Paragraph 44A, 44B
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 15C, 15D
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 15A
-Subparagraph a-d
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 15B
-Subparagraph a, b
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 3, 10, 14, 15
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 157
-Paragraph 32, 33, 34
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 159
-Paragraph 17-22, 27, 28
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 820
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6925170&loc=d3e19207-110258

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 21
-URI http://asc.fasb.org/extlink&oid=6947722&loc=d3e13537-108611

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 28
-URI http://asc.fasb.org/extlink&oid=6957238&loc=d3e14064-108612

Reference 11: http://www.xbrl.org/2003/role/presentationRef
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-Name Accounting Standards Codification
-Topic 825
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-Paragraph 10
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Reference 12: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 30
-URI http://asc.fasb.org/extlink&oid=6957238&loc=d3e14172-108612

Reference 13: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 16
-URI http://asc.fasb.org/extlink&oid=6947722&loc=d3e13504-108611

Reference 14: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 820
-SubTopic 10
-Section 50
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=6925170&loc=d3e19296-110258

+ Details

Fair Value of Financial Instruments

9 Months Ended

Sep. 30, 2012

Fair Value Disclosures [Abstract]

Fair Value of Financial Instruments

The following describes the valuation technique for determining the fair value of financial instruments, whether or not such instruments are carried on our consolidated balance sheets.

Short-term Financial Instruments

Our short-term financial instruments consist principally of unrestricted and restricted cash and cash equivalents, federal funds sold, and settlement assets and obligations. These financial instruments are short-term in nature, and, accordingly, we believe their carrying amounts approximate their fair values. Under the fair value hierarchy, these instruments are classified as Level 1.

Investment Securities

The fair values of investment securities have been derived using methodologies referenced in Note 6 – Fair Value Measurements. Under the fair value hierarchy, our investment securities are classified as Level 2.

Loans

We determined the fair values of loans by discounting both principal and interest cash flows expected to be collected using a discount rate commensurate with the risk that we believe a market participant would consider in determining fair value. Under the fair value hierarchy, our loans are classified as Level 3.

Note 7—Fair Value of Financial Instruments (continued)

Deposits

The fair value of demand and interest checking deposits and savings deposits is the amount payable on demand at the reporting date. We determined the fair value of time deposits by discounting expected future cash flows using market-derived rates based on our market yields on certificates of deposit, by maturity, at the measurement date. Under the fair value hierarchy, our deposits are classified as Level 2.

Fair Value of Financial Instruments

The carrying values and fair values of certain financial instruments that were not carried at fair value, excluding short-term financial instruments for which the carrying value approximates fair value, at September 30, 2012 and December 31, 2011 are presented in the table below.



	September 30, 2012				December 31, 2011
	Carrying Value		Fair Value		Carrying Value		Fair Value
	(In thousands)
Financial Assets
Loans to bank customers	$	7,688	$	6,471	$	10,036	$	10,036

Financial Liabilities
Deposits	$	38,529	$	38,466	$	38,957	$	38,957

Goodwill and Intangible Assets

9 Months Ended

Sep. 30, 2012

Goodwill and Intangible Assets Disclosure [Abstract]

Goodwill and Intangible Assets

Changes in the carrying amount of goodwill and intangible assets consisted of the following:



	Nine Months Ended
	September 30, 2012
	(In thousands)
Goodwill
Balance, beginning of period	$	10,817
Acquisition of Loopt, Inc.	28,657
Balance, end of period	$	39,474

Identified Intangible assets
Balance, beginning of period	$	684
Acquisition of Loopt, Inc.	3,455
Amortization	(99		)
Balance, end of period	$	4,040

We have not completed the purchase price allocation for our acquisition of Loopt. The initial allocation of the purchase price to goodwill and identified intangible assets set forth in the previous table was made using the information currently available. We may adjust this allocation after obtaining more information regarding, among other things, asset valuations, liabilities assumed, and revisions of preliminary estimates. The purchase price allocation will be finalized in the fourth quarter of 2012.

- Definition

The entire disclosure for the aggregate amount of goodwill and a description of intangible assets, which may include (a) for amortizable intangible assets (also referred to as finite-lived intangible assets), the carrying amount, the amount of any significant residual value, and the weighted-average amortization period, (b) for intangible assets not subject to amortization (also referred to as indefinite-lived intangible assets), the carrying amount, and (c) the amount of research and development assets acquired and written off in the period, including the line item in the income statement in which the amounts written off are aggregated, if not readily apparent from the income statement. Also discloses (a) for amortizable intangibles assets in total and by major class, the gross carrying amount and accumulated amortization, the total amortization expense for the period, and the estimated aggregate amortization expense for each of the five succeeding fiscal years, (b) for intangible assets not subject to amortization the carrying amount in total and by major class, and (c) for goodwill, in total and for each reportable segment, the changes in the carrying amount of goodwill during the period (including the aggregate amount of goodwill acquired, the aggregate amount of impairment losses recognized, and the amount of goodwill included in the gain (loss) on disposal of a reporting unit). If any part of goodwill has not been allocated to a reportable segment, discloses the unallocated amount and the reasons for not allocating. For each impairment loss recognized related to an intangible asset (excluding goodwill), discloses: (a) a description of the impaired intangible asset and the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method for determining fair value, (c) the caption in the income statement or the statement of activities in which the impairment loss is aggregated, and (d) the segment in which the impaired intangible asset is reported. For each goodwill impairment loss recognized, discloses: (a) a description of the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method of determining the fair value of the associated reporting unit, and (c) if a recognized impairment loss is an estimate not finalized and the reasons why the estimate is not final. May also disclose the nature and amount of any significant adjustments made to a previous estimate of an impairment loss.

+ References + Details

Income Taxes

9 Months Ended

Sep. 30, 2012

Income Tax Disclosure [Abstract]

Income Taxes

Note 9—Income Taxes

Income tax expense for the nine-month periods ended September 30, 2012 and 2011 varied from the amount computed by applying the federal statutory income tax rate to income before income taxes. A reconciliation between the expected federal income tax expense using the federal statutory tax rate and our actual income tax expense was as follows:



	Nine Months Ended September 30,
	2012		2011
U.S. federal statutory tax rate	35.0	%	35.0	%
State income taxes, net of federal benefit	1.8		1.3
Employee stock-based compensation	1.9		1.5
Other	0.6		0.3
Effective tax rate	39.3	%	38.1	%

In accounting for income taxes, we follow the guidance related to uncertainty in income taxes. The guidance prescribes a comprehensive framework for the financial statement recognition, measurement, presentation, and disclosure of uncertain income tax positions that we have taken or anticipate taking in a tax return, and includes guidance on de-recognition, classification, interest and penalties, accounting in interim periods, and transition rules. We have concluded that we have no significant unrecognized tax benefits. We are subject to examination by the Internal Revenue Service, or IRS, and various state tax authorities. Our consolidated federal income tax returns for the years ended July 31, 2005 and 2008 have been examined by the IRS, and there have been no material changes in our tax liabilities for those years. Our consolidated federal income tax returns for the year ended July 31, 2009, the five-months ended December 31, 2009 and the year ended December 31, 2010 are currently under examination by the IRS. We generally remain subject to examination of our federal income tax returns for the year ended July 31, 2008 and later years. We generally remain subject to examination of our various state income tax returns for a period of four to five years from the respective dates the returns were filed.

- Definition

The entire disclosure for income taxes. Disclosures may include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax liabilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph h
-Article 4

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 109
-Paragraph 136, 172
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 109
-Paragraph 43, 44, 45, 46, 47, 48, 49
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 15
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32718-109319

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 9
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(h))
-URI http://asc.fasb.org/extlink&oid=6881521&loc=d3e23780-122690

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32537-109319

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32559-109319

+ Details

Employee Stock-Based Compensation

9 Months Ended

Sep. 30, 2012

Share-based Compensation [Abstract]

Employee Stock-Based Compensation

We currently grant stock options and restricted stock units to employees and directors under our 2010 Equity Incentive Plan. We have reserved shares of our Class A common stock for issuance under this plan. Additionally, through our 2010 Employee Stock Purchase Plan, employees are able to purchase shares of our Class A common stock at a discount through payroll deductions.

The following table summarizes stock options and restricted stock units granted:



	Nine Months Ended September 30,
	2012		2011
	(in thousands, except per share data)
Stock options granted	1,011		752
Weighted-average exercise price	$	27.83	$	39.86
Weighted-average grant-date fair value	$	12.97	$	19.24

Restricted stock units granted	53		14
Weighted-average grant-date fair value	$	28.70	$	32.82

We estimated the fair value of each stock option grant on the date of grant using the following weighted-average assumptions:



	Nine Months Ended September 30,
	2012		2011
Risk-free interest rate	1.12	%	2.06	%
Expected term (life) of options (in years)	6.06		6.06
Expected dividends	—		—
Expected volatility	48.23	%	48.32	%

Note 10—Employee Stock-Based Compensation (continued)

The total stock-based compensation expense recognized was $9.0 million and $7.0 million for the nine-month periods ended September 30, 2012 and 2011, respectively. Total stock-based compensation expense includes amounts related to awards of stock options and restricted stock units and purchases under our 2010 Employee Stock Purchase Plan.

- Definition

The entire disclosure for compensation-related costs for equity-based compensation, which may include disclosure of policies, compensation plan details, allocation of equity compensation, incentive distributions, equity-based arrangements to obtain goods and services, deferred compensation arrangements, employee stock ownership plan details and employee stock purchase plan details.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 123R
-Paragraph 64, 65, A240
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Statement of Position (SOP)
-Number 93-6
-Paragraph 53
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 14

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 50
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6406099&loc=d3e25284-112666

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5047-113901

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5444-113901

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 40
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6418621&loc=d3e17540-113929

+ Details

Earnings per Common Share

9 Months Ended

Sep. 30, 2012

Earnings Per Share [Abstract]

Earnings per Common Share

The calculation of basic EPS and diluted EPS was as follows:



	Three Months Ended September 30,						Nine Months Ended September 30,
	2012			2011			2012			2011
	(In thousands, except per share data)
Basic earnings per Class A common share
Net income	$	10,613		$	13,303		$	39,620		$	38,074
Income attributable to preferred stock	(1,704		)	—			(6,385		)	—
Income attributable to other classes of common stock	(1,439		)	(5,922		)	(5,774		)	(18,776		)
Net income allocated to Class A common stockholders	7,470			7,381			27,461			19,298
Weighted-average Class A shares issued and outstanding	30,067			23,401			29,502			21,322
Basic earnings per Class A common share	$	0.25		$	0.32		$	0.93		$	0.91

Diluted earnings per Class A common share
Net income allocated to Class A common stockholders	$	7,470		$	7,381		$	27,461		$	19,298
Allocated earnings to participating securities, net of re-allocated earnings	1,386			5,741			5,704			18,204
Re-allocated earnings	(193		)	(318		)	(896		)	(942		)
Diluted net income allocated to Class A common stockholders	8,663			12,804			32,269			36,560
Weighted-average Class A shares issued and outstanding	30,067			23,401			29,502			21,322
Dilutive potential common shares:
Class B common stock	5,732			19,023			6,346			21,155
Stock options	—			—			—			—
Restricted stock units	—			2			4			1
Employee stock purchase plan	27			—			49			8
Diluted weighted-average Class A shares issued and outstanding	35,826			42,426			35,901			42,486
Diluted earnings per Class A common share	$	0.24		$	0.30		$	0.90		$	0.86

Note 11—Earnings per Common Share (continued)



	Three Months Ended September 30,						Nine Months Ended September 30,
	2012			2011			2012			2011
	(In thousands, except per share data)
Basic earnings per Class B common share
Net income	$	10,613		$	13,303		$	39,620		$	38,074
Income attributable to preferred stock	(1,704		)	—			(6,385		)	—
Income attributable to other classes of common stock	(7,770		)	(7,902		)	(28,689		)	(20,891		)
Net income allocated to Class B common stockholders	1,139			5,401			4,546			17,183
Weighted-average Class B shares issued and outstanding	4,585			17,124			4,884			18,985
Basic earnings per Class B common share	$	0.25		$	0.32		$	0.93		$	0.91

Diluted earnings per Class B common share
Net income allocated to Class B common stockholders	$	1,139		$	5,401		$	4,546		$	17,183
Re-allocated earnings	247			340			1,158			1,021
Diluted net income allocated to Class B common stockholders	1,386			5,741			5,704			18,204
Weighted-average Class B shares issued and outstanding	4,585			17,124			4,884			18,985
Dilutive potential common shares:
Stock options	1,147			1,899			1,462			2,170
Diluted weighted-average Class B shares issued and outstanding	5,732			19,023			6,346			21,155
Diluted earnings per Class B common share	$	0.24		$	0.30		$	0.90		$	0.86

We excluded from the computation of basic EPS all shares issuable under an unvested warrant to purchase 4,283,456 shares of our Class B common stock, as the related performance conditions had not been satisfied.

For the periods presented, we excluded all shares of convertible preferred stock and certain stock options outstanding, which could potentially dilute basic EPS in the future, from the computation of diluted EPS as their effect was anti-dilutive. The following table shows the weighted-average number of anti-dilutive shares excluded from the diluted EPS calculation:



	Three Months Ended September 30,		Nine Months Ended September 30,
	2012	2011	2012	2011
	(In thousands)
Class A common stock
Options to purchase Class A common stock	2,153	522	1,143	209
Restricted stock units	43	—	19	—
Conversion of convertible preferred stock	6,859	—	6,859	—
Total options, restricted stock units and convertible preferred stock	9,055	522	8,021	209
Class B common stock
Options to purchase Class B common stock	403	21	67	3
Total options	403	21	67	3

Commitments and Contingencies	9 Months Ended
Commitments and Contingencies	Sep. 30, 2012
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	We have retained outside regulatory counsel to survey and monitor the laws of all 50 states to identify state laws or regulations that apply to prepaid debit cards and other stored value products. Many state laws do not specifically address stored value products and what, if any, legal or regulatory requirements (including licensing) apply to the sale of these products. We have obtained money transmitter licenses (or similar such licenses) where applicable, based on advice of counsel or when we have been requested to do so. If we were found to be in violation of any laws and regulations governing banking, money transmitters, electronic fund transfers, or money laundering in the United States or abroad, we could be subject to penalties or could be forced to change our business practices. In the ordinary course of business, we are a party to various legal proceedings. We review these actions on an ongoing basis to determine whether it is probable that a loss has occurred and use that information when making accrual and disclosure decisions. We have not established reserves or possible ranges of losses related to these proceedings because, at this time in the proceedings, the matters do not relate to a probable loss and/or the amounts are not reasonably estimable. From time to time we enter into contracts containing provisions that contingently require us to indemnify various parties against claims from third parties. These contracts primarily relate to: (i) contracts with our card issuing banks, under which we are responsible to them for any unrecovered overdrafts on cardholders’ accounts; (ii) certain real estate leases, under which we may be required to indemnify property owners for environmental and other liabilities, and other claims arising from our use of the premises; (iii) certain agreements with our officers, directors, and employees, under which we may be required to indemnify these persons for liabilities arising out of their relationship with us; and (iv) contracts under which we may be required to indemnify our retail distributors, suppliers, vendors and other parties with whom we have contracts against third-party claims that our products infringe a patent, copyright, or other intellectual property right claims arising from our acts, omissions, or violation of law. Generally, a maximum obligation under these contracts is not explicitly stated. Because the obligated amounts associated with these types of agreements are not explicitly stated, the overall maximum amount of the obligation cannot be reasonably estimated. With the exception of overdrafts on cardholders’ accounts, historically, we have not been required to make payments under these and similar contingent obligations, and no liabilities have been recorded for these obligations in our consolidated balance sheets. For additional information regarding overdrafts on cardholders’ accounts, refer to Note 4 — Accounts Receivable.

- Definition

The entire disclosure for commitments and contingencies.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name FASB Interpretation (FIN)
-Number 14
-Paragraph 3
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 5
-Paragraph 9, 10, 11, 12
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.25)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 450
-SubTopic 20
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=6952336&loc=d3e14435-108349

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 460
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=6398077&loc=d3e12565-110249

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 440
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6394976&loc=d3e25287-109308

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 20
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6449706&loc=d3e16207-108621

+ Details

Significant Customer Concentrations

9 Months Ended

Sep. 30, 2012

Significant Customer Concentrations [Abstract]

Significant Customer Concentrations

A credit concentration may exist if customers are involved in similar industries, economic sectors, and geographic regions. Our retail distributors operate in similar economic sectors but diverse domestic geographic regions. The loss of a significant retail distributor could have a material adverse effect upon our card sales, profitability, and revenue growth.

Revenues derived from our products sold at our four largest retail distributors represented the following percentages of our total operating revenues:



	Three Months Ended September 30,				Nine Months Ended September 30,
	2012		2011		2012		2011
Walmart	62	%	61	%	63	%	60	%
Three other largest retail distributors, as a group	20	%	20	%	21	%	20	%

Excluding stock-based retailer incentive compensation of $1.2 million and $3.5 million for the three-month periods ended September 30, 2012 and 2011, respectively, and $7.0 million and $13.8 million for the nine-month periods ended September 30, 2012 and 2011, respectively, revenues derived from our products sold at our four largest retail distributors represented the following percentages of our total operating revenues:



	Three Months Ended September 30,				Nine Months Ended September 30,
	2012		2011		2012		2011
Walmart	63	%	62	%	64	%	61	%
Three other largest retail distributors, as a group	20	%	19	%	20	%	18	%

Note 13—Significant Customer Concentration (continued)

The concentration of GPR cards activated (in units) and the concentration of sales of cash transfer products (in units) derived from our products sold at our four largest retail distributors was as follows:



	Three Months Ended September 30,				Nine Months Ended September 30,
	2012		2011		2012		2011
Concentration of GPR cards activated (in units)	88	%	84	%	88	%	78	%
Concentration of sales of cash transfer products (in units)	89	%	89	%	88	%	89	%

Settlement assets derived from our products sold at our four largest retail distributors comprised the following percentages of the settlement assets recorded on our consolidated balance sheet:



	September 30, 2012		December 31, 2011
Walmart	29	%	36	%
Three other largest retail distributors, as a group	31	%	35	%

At September 30, 2012 and December 31, 2011, the substantial majority of the customer funds underlying our products were held in bank accounts at two card issuing banks. These funds are held in trust for the benefit of the customers, and we have no legal rights to the customer funds or deposits at the card issuing banks. Additionally, we have receivables due from these card issuing banks included in accounts receivable, net, on our consolidated balance sheets. The failure of either of these card issuing banks could result in significant business disruption, a potential material adverse affect on our ability to service our customers, potential contingent obligations by us to customers and material write-offs of uncollectible receivables due from these card issuing banks.

- Definition

The entire disclosure for any concentrations existing at the date of the financial statements that make an entity vulnerable to a reasonably possible, near-term, severe impact. This disclosure informs financial statement users about the general nature of the risk associated with the concentration, and may indicate the percentage of concentration risk as of the balance sheet date.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 15A
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Statement of Position (SOP)
-Number 94-6
-Paragraph 21, 22, 24
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
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-SubTopic 10
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-Paragraph 21
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+ Details

Subsequent Events	9 Months Ended
Subsequent Events	Sep. 30, 2012
Subsequent Events [Abstract]
Subsequent Events [Text Block]	Note 14—Subsequent Events On November 2, 2012, we completed the transition of all outstanding customer deposits associated with our GPR card program with Columbus Bank and Trust Company to our subsidiary bank. The total funds transferred to Green Dot Bank was approximately $173 million and will be classified as deposits on our consolidated balance sheet.

Summary of Significant Accounting Policies (Policies)	9 Months Ended
Summary of Significant Accounting Policies (Policies)	Sep. 30, 2012
Accounting Policies [Abstract]
Recently Adopted Standards	Recently Adopted Standards In December 2011, the Financial Accounting Standards Board, or FASB, issued Accounting Standards Update, or ASU, 2011-12, Deferral of the Effective Date for Amendments to the Presentation of Reclassification of Items Out of Accumulated Other Comprehensive Income. In June 2011, the FASB issued ASU 2011-05, Comprehensive Income: Presentation of Comprehensive Income, which requires an entity to present the total of comprehensive income, the components of net income, and the components of other comprehensive income either in a single continuous statement of comprehensive income or in two separate but consecutive statements. It eliminates the option to present components of other comprehensive income as part of the statement of changes in stockholders' equity. ASU 2011-05 does not change the items which must be reported in other comprehensive income, how such items are measured or when they must be reclassified to net income. ASU 2011-12 only defers those changes in ASU 2011-05 that relate to the presentation of reclassification adjustments. We adopted these ASUs in the first quarter of 2012. The adoption of these standards did not have a significant impact on our consolidated financial statements. In September 2011, the FASB issued ASU No. 2011-08, Testing Goodwill for Impairment, which provides entities testing goodwill for impairment to now have an option of performing a qualitative assessment before having to calculate the fair value of a reporting unit. If an entity determines, on the basis of qualitative factors, that the fair value of the reporting unit is more-likely-than-not less than the carrying amount, the existing quantitative impairment test is required. Otherwise, no further impairment testing is required. We adopted this ASU in the first quarter of 2012. The adoption of this standard did not have any impact on our consolidated financial statements. In May 2011, the FASB issued ASU 2011-04, Fair Value Measurement: Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs, which converges common fair value measurement and disclosure requirements in accordance with GAAP and International Financial Reporting Standards, or IFRS. We adopted this ASU in the first quarter of 2012. The adoption of this standard did not have a significant impact on our consolidated financial statements.
Recently Issued Statements	Recently Issued Standards In July 2012, the FASB issued ASU, 2012-02, Intangibles—Goodwill and Other, which amends the guidance in ASC 350-302 on testing indefinite-lived intangible assets, other than goodwill, for impairment by allowing an entity to perform a qualitative impairment assessment before proceeding to the two-step impairment test. If the entity determines, on the basis of qualitative factors, that the fair value of the indefinite-lived intangible asset is not more likely than not (i.e., a likelihood of more than 50 percent) impaired, the entity would not need to calculate the fair value of the asset. In addition, the ASU does not amend the requirement to test these assets for impairment between annual tests if there is a change in events or circumstances; however, it does revise the examples of events and circumstances that an entity should consider in interim periods. ASU 2012-02 is effective for annual and interim impairment tests performed for fiscal years beginning after September 15, 2012, with early adoption being permitted. Our adoption of this ASU is not expected to have a material impact on our consolidated financial statements.

- Definition

Tabular disclosure of changes in accounting principles, including adoption of new accounting pronouncements, that describes the new methods, amount and effects on financial statement line items.

+ References

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-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
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-Paragraph 2, 17, 18
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
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-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
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-Name Accounting Standards Codification
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+ Details

Investment Securities (Tables)

9 Months Ended

Sep. 30, 2012

Investment Securities [Abstract]

Investment securities, available-for-sale

As of September 30, 2012, the contractual maturities of our available-for-sale investment securities were as follows:



	Amortized cost		Fair value
	(In thousands)
Due in one year or less	$	72,563	$	72,611
Due after one year through five years	55,826		55,904
Due after five years through ten years	1,337		1,363
Due after ten years	101		107
Asset-backed securities	16,379		16,403
Total fixed income securities	$	146,206	$	146,388

As of September 30, 2012 and December 31, 2011, our available-for-sale investment securities were as follows:



	Amortized cost		Gross unrealized gains		Gross unrealized losses			Fair value
	(In thousands)
September 30, 2012
Corporate bonds	$	35,197	$	56	$	—		$	35,253
Commercial paper	27,501		12		(1		)	27,512
Negotiable certificate of deposit	7,900		16		—			7,916
U.S. treasury notes	27,629		10		—			27,639
Agency securities	25,363		25		(2		)	25,386
Municipal bonds	6,237		42		—			6,279
Asset-backed securities	16,379		24		—			16,403
Total fixed income securities	$	146,206	$	185	$	(3	)	$	146,388

December 31, 2011
Corporate bonds	$	16,307	$	27	$	(1	)	$	16,333
Commercial paper	4,998		1		—			4,999
Negotiable certificate of deposit	3,500		—		—			3,500
Agency securities	3,979		12		(4		)	3,987
Municipal bonds	2,379		13		(1		)	2,391
Total fixed income securities	$	31,163	$	53	$	(6	)	$	31,210

As of September 30, 2012 and December 31, 2011, the gross unrealized losses and fair values of available-for-sale investment securities that were in unrealized loss positions were as follows:



	Less than 12 months					12 months or more				Total fair value		Total unrealized loss
	Fair value		Unrealized loss			Fair value		Unrealized loss		Total fair value		Total unrealized loss
	(In thousands)
September 30, 2012
Fixed income securities
Commercial paper	$	6,088	$	(1	)	$	—	$	—	$	6,088	$	(1	)
Agency securities	6,003		(2		)	—		—		6,003		(2		)
Total fixed income securities	$	12,091	$	(3	)	$	—	$	—	$	12,091	$	(3	)

December 31, 2011
Fixed income securities
Corporate bonds	$	2,999	$	(1	)	$	—	$	—	$	2,999	$	(1	)
Agency securities	1,663		(4		)	—		—		1,663		(4		)
Municipal bonds	324		(1		)	—		—		324		(1		)
Total fixed income securities	$	4,986	$	(6	)	$	—	$	—	$	4,986	$	(6	)

- Definition

Tabular disclosure of available-for-sale securities which consist of all investments in certain debt and equity securities neither classified as trading or held-to-maturity securities. A debt security represents a creditor relationship with an enterprise. Debt securities include, among other items, US Treasury securities, US government securities, municipal securities, corporate bonds, convertible debt, commercial paper, and all securitized debt instruments. An equity security represents an ownership interest in an enterprise or the right to acquire or dispose of an ownership interest in an enterprise at fixed or determinable prices. Equity securities include, among other things, common stock, certain preferred stock, warrant rights, call options, and put options, but do not include convertible debt.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Emerging Issues Task Force (EITF)
-Number 03-1
-Paragraph 21
-Subparagraph a, b
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
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-Name FASB Staff Position (FSP)
-Number FAS115-1/124-1
-Paragraph 17
-Subparagraph a, b
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 115
-Paragraph 19, 20, 21
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
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-Publisher FASB
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-Topic 942
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-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62586-112803

+ Details

Accounts Receivable (Tables)

9 Months Ended

Sep. 30, 2012

Accounts Receivable [Abstract]

Accounts Receivable

Accounts receivable, net consisted of the following:



	September 30, 2012			December 31, 2011
	(In thousands)
Overdrawn account balances due from cardholders	$	23,597		$	22,139
Reserve for uncollectible overdrawn accounts	(15,366		)	(15,309		)
Net overdrawn account balances due from cardholders	8,231			6,830
Trade receivables	4,910			5,574
Reserve for uncollectible trade receivables	(30		)	(453		)
Net trade receivables	4,880			5,121
Receivables due from card issuing banks	26,793			28,812
Other receivables	10,063			4,691
Accounts receivable, net	$	49,967		$	45,454

Activity in the reserve for uncollectible overdrawn accounts consisted of the following:



	Three Months Ended September 30,						Nine Months Ended September 30,
	2012			2011			2012			2011
	(In thousands)
Balance, beginning of period	$	15,023		$	14,293		$	15,309		$	11,823
Provision for uncollectible overdrawn accounts:
Fees	13,777			15,254			40,101			27,309
Purchase transactions	664			2,069			1,997			3,412
Charge-offs	(14,098		)	(12,613		)	(42,041		)	(23,541		)
Balance, end of period	$	15,366		$	19,003		$	15,366		$	19,003

Loans to Bank Customers (Tables)

9 Months Ended

Sep. 30, 2012

Loans [Abstract]

Past Due Financing Receivables

The following table presents total outstanding loans and a summary of the related payment status:



	30-59 Days Past Due			60-89 Days Past Due			90 Days or More Past Due			Total Past Due			Total Current or Less Than 30 Days Past Due			Purchased Credit-Impaired Loans			Total Outstanding
	(In thousands)
September 30, 2012
Real estate	$	250		$	—		$	—		$	250		$	2,959		$	374		$	3,583
Commercial	—			—			—			—			1,181			6			1,187
Installment	312			—			—			312			2,481			125			2,918
Total loans	$	562		$	—		$	—		$	562		$	6,621		$	505		$	7,688

Percentage of outstanding	7.31		%	—		%	—		%	7.31		%	86.12		%	6.57		%	100.00		%



December 31, 2011
Real estate	$	—		$	—		$	—		$	—		$	4,983		$	503		$	5,486
Commercial	2			—			—			2			1,371			44			1,417
Installment	—			—			—			—			2,881			252			3,133
Total loans	$	2		$	—		$	—		$	2		$	9,235		$	799		$	10,036

Percentage of outstanding	0.02		%	—		%	—		%	0.02		%	92.02		%	7.96		%	100.00		%

Nonperforming Loans



	September 30, 2012		December 31, 2011
	(In thousands)
Real estate	$	71	$	—
Commercial	52		—
Installment	165		—
Total loans	$	288	$	—

Financing Receivable Credit Quality Indicators

The table below presents our primary credit quality indicators related to our loan portfolio:



	September 30, 2012				December 31, 2011
	Non-Classified		Classified		Non-Classified		Classified
	(In thousands)
Real estate	$	3,138	$	445	$	5,125	$	361
Commercial	1,129		58		1,407		10
Installment	2,628		290		2,982		151
Total loans	$	6,895	$	793	$	9,514	$	522

PCI Loans

The table below presents the remaining unpaid principal balance and carrying amount for purchased credit-impaired loans:



	September 30, 2012		December 31, 2011
	(In thousands)
Unpaid principal balance	$	1,066	$	1,506
Carrying value excluding allowance for loan losses	505		799

Accretable Yield

The table below shows activity for the accretable yield on purchased credit-impaired loans:



	Three Months Ended			Nine Months Ended
	September 30, 2012			September 30, 2012
	(In thousands)
Accretable yield at beginning of period	$	98		$	98
Accretion	(5		)	(41		)
Adjustments	37			73
Accretable yield at end of period	$	130		$	130

Impaired Loans



	September 30, 2012						Nine Months Ended September 30, 2012
	Unpaid Principal Balance		Carrying Value		Related Allowance		Average Carrying Value		Interest Income Recognized
	(In thousands)
With no recorded allowance
Real estate	$	—	$	—	N/A		$	—	$	—
Commercial	141		33		N/A		37		—
Installment	79		36		N/A		52		11
With an allowance recorded
Real estate	$	109	$	99	$	28	$	82	$	7
Commercial	20		20		1		14		—
Installment	306		156		27		126		40
Total
Real estate	$	109	$	99	$	28	$	82	$	7
Commercial	161		53		1		51		—
Installment	385		192		27		178		51

Troubled Debt Restructurings

Our TDR modifications related to extensions of the maturity dates at a stated interest rate lower than the current market rate for new debt with similar risk:



	September 30, 2012
	Unpaid Principal Balance		Carrying Value
	(In thousands)
Real estate	$	109	$	99
Commercial	161		53
Installment	385		192

Allowance for Loan Losses

Activity in the allowance for loan losses consisted of the following:



	Three Months Ended			Nine Months Ended
	September 30, 2012			September 30, 2012
	(In thousands)
Allowance for loan losses, beginning of period	$	310		$	—
Provision for loans	39			349
Loans charged off	(51		)	(51		)
Allowance for loan losses, end of period	$	298		$	298

The following table disaggregates our allowance for credit losses and recorded investment in loans by impairment methodology:



	September 30, 2012
	(In thousands)
Collectively evaluated for impairment
Allowance for loan losses	$	242
Carrying value, gross of allowance	7,137
Impaired loans and troubled debt restructurings¹
Allowance for loan losses	$	56
Carrying value, gross of allowance	344
Purchased credit-impaired loans
Allowance for loan losses	$	—
Carrying value, gross of allowance	505
Total
Allowance for loan losses	$	298
Carrying value, gross of allowance	7,986

¹ Represents loans individually evaluated for impairment

Fair Value Measurements (Tables)

9 Months Ended

Sep. 30, 2012

Fair Value Disclosures [Abstract]

Assets Carried at Fair Value on a Recurring Basis

As of September 30, 2012 and December 31, 2011, our assets carried at fair value on a recurring basis were as follows:



	Level 1		Level 2		Level 3		Total Fair Value
	(In thousands)
September 30, 2012
Corporate bonds	$	—	$	35,253	$	—	$	35,253
Commercial paper	—		27,512		—		27,512
Negotiable certificate of deposit	—		7,916		—		7,916
U.S. treasury notes	—		27,639		—		27,639
Agency securities	—		25,386		—		25,386
Municipal bonds	—		6,279		—		6,279
Asset-backed securities	—		16,403		—		16,403
Total	$	—	$	146,388	$	—	$	146,388

December 31, 2011
Corporate bonds	$	—	$	16,333	$	—	$	16,333
Commercial paper	—		4,999		—		4,999
Negotiable certificate of deposit	—		3,500		—		3,500
Agency securities	—		3,987		—		3,987
Municipal bonds	—		2,391		—		2,391
Total	$	—	$	31,210	$	—	$	31,210

- Definition

Tabular disclosure of assets, including [financial] instruments measured at fair value that are classified in stockholders' equity, if any, by class that are measured at fair value on a recurring basis. The disclosures contemplated herein include the fair value measurements at the reporting date by the level within the fair value hierarchy in which the fair value measurements in their entirety fall, segregating fair value measurements using quoted prices in active markets for identical assets (Level 1), significant other observable inputs (Level 2), and significant unobservable inputs (Level 3).

+ References + Details

Fair Value of Financial Instruments (Tables)

9 Months Ended

Sep. 30, 2012

Fair Value Disclosures [Abstract]

Fair Value of Assets Not Carried at Fair Value



	September 30, 2012				December 31, 2011
	Carrying Value		Fair Value		Carrying Value		Fair Value
	(In thousands)
Financial Assets
Loans to bank customers	$	7,688	$	6,471	$	10,036	$	10,036

Financial Liabilities
Deposits	$	38,529	$	38,466	$	38,957	$	38,957

- Definition

Tabular disclosure of the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments, assets, and liabilities. Such certain disclosures about the financial instruments, assets, and liabilities include: (1) the fair value of the required items together with their carrying amounts (as appropriate) and (2) the methodology and assumptions used in developing such estimates of fair value.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 10
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 14
-Subparagraph a
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 15
-Subparagraph b-d
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 157
-Paragraph 32
-Subparagraph a, c(1), c(2), c(3), d
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 159
-Paragraph 18
-Subparagraph c(2), d, e, f
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 159
-Paragraph 19
-Subparagraph a, b, c(1), d(1)
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 10
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6947722&loc=d3e13433-108611

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=6947722&loc=d3e13467-108611

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=6947722&loc=d3e13476-108611

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 30
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6957238&loc=d3e14172-108612

Reference 11: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 820
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6925170&loc=d3e19207-110258

Reference 12: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6447952&loc=d3e13220-108610

+ Details

Goodwill and Intangible Assets (Tables)

9 Months Ended

Sep. 30, 2012

Goodwill and Intangible Assets Disclosure [Abstract]

Goodwill and Intangible Assets Rollforward

Changes in the carrying amount of goodwill and intangible assets consisted of the following:



	Nine Months Ended
	September 30, 2012
	(In thousands)
Goodwill
Balance, beginning of period	$	10,817
Acquisition of Loopt, Inc.	28,657
Balance, end of period	$	39,474

Identified Intangible assets
Balance, beginning of period	$	684
Acquisition of Loopt, Inc.	3,455
Amortization	(99		)
Balance, end of period	$	4,040

Income Taxes (Tables)

9 Months Ended

Sep. 30, 2012

Income Tax Disclosure [Abstract]

Recon of fed tax rate and actual income tax expense

A reconciliation between the expected federal income tax expense using the federal statutory tax rate and our actual income tax expense was as follows:



	Nine Months Ended September 30,
	2012		2011
U.S. federal statutory tax rate	35.0	%	35.0	%
State income taxes, net of federal benefit	1.8		1.3
Employee stock-based compensation	1.9		1.5
Other	0.6		0.3
Effective tax rate	39.3	%	38.1	%

Employee Stock-Based Compensation (Tables)

9 Months Ended

Sep. 30, 2012

Share-based Compensation [Abstract]

Grant Summary

The following table summarizes stock options and restricted stock units granted:



	Nine Months Ended September 30,
	2012		2011
	(in thousands, except per share data)
Stock options granted	1,011		752
Weighted-average exercise price	$	27.83	$	39.86
Weighted-average grant-date fair value	$	12.97	$	19.24

Restricted stock units granted	53		14
Weighted-average grant-date fair value	$	28.70	$	32.82

We estimated the fair value of each stock option grant on the date of grant using the following weighted-average assumptions:



	Nine Months Ended September 30,
	2012		2011
Risk-free interest rate	1.12	%	2.06	%
Expected term (life) of options (in years)	6.06		6.06
Expected dividends	—		—
Expected volatility	48.23	%	48.32	%

- Definition

Tabular disclosure of components of a stock option or other award plan under which equity-based compensation is awarded to employees, typically comprised of the amount of unearned compensation (deferred compensation cost), compensation expense, and changes in the quantity and fair value of the shares (or other type of equity) granted, exercised, forfeited, and issued and outstanding pertaining to that plan. Disclosure may also include nature and general terms of such arrangements that existed during the period and potential effects of those arrangements on shareholders, effect of compensation cost arising from equity-based payment arrangements on the income statement, method of estimating the fair value of the goods or services received, or the fair value of the equity instruments granted, during the period, cash flow effects resulting from equity-based payment arrangements and, for registrants that accelerate vesting of out of the money share options, reasons for the decision to accelerate.

+ References + Details

Earnings per Common Share (Tables)

9 Months Ended

Sep. 30, 2012

Earnings Per Share [Abstract]

Earnings Per Common Share

The calculation of basic EPS and diluted EPS was as follows:



	Three Months Ended September 30,						Nine Months Ended September 30,
	2012			2011			2012			2011
	(In thousands, except per share data)
Basic earnings per Class A common share
Net income	$	10,613		$	13,303		$	39,620		$	38,074
Income attributable to preferred stock	(1,704		)	—			(6,385		)	—
Income attributable to other classes of common stock	(1,439		)	(5,922		)	(5,774		)	(18,776		)
Net income allocated to Class A common stockholders	7,470			7,381			27,461			19,298
Weighted-average Class A shares issued and outstanding	30,067			23,401			29,502			21,322
Basic earnings per Class A common share	$	0.25		$	0.32		$	0.93		$	0.91

Diluted earnings per Class A common share
Net income allocated to Class A common stockholders	$	7,470		$	7,381		$	27,461		$	19,298
Allocated earnings to participating securities, net of re-allocated earnings	1,386			5,741			5,704			18,204
Re-allocated earnings	(193		)	(318		)	(896		)	(942		)
Diluted net income allocated to Class A common stockholders	8,663			12,804			32,269			36,560
Weighted-average Class A shares issued and outstanding	30,067			23,401			29,502			21,322
Dilutive potential common shares:
Class B common stock	5,732			19,023			6,346			21,155
Stock options	—			—			—			—
Restricted stock units	—			2			4			1
Employee stock purchase plan	27			—			49			8
Diluted weighted-average Class A shares issued and outstanding	35,826			42,426			35,901			42,486
Diluted earnings per Class A common share	$	0.24		$	0.30		$	0.90		$	0.86

Note 11—Earnings per Common Share (continued)



	Three Months Ended September 30,						Nine Months Ended September 30,
	2012			2011			2012			2011
	(In thousands, except per share data)
Basic earnings per Class B common share
Net income	$	10,613		$	13,303		$	39,620		$	38,074
Income attributable to preferred stock	(1,704		)	—			(6,385		)	—
Income attributable to other classes of common stock	(7,770		)	(7,902		)	(28,689		)	(20,891		)
Net income allocated to Class B common stockholders	1,139			5,401			4,546			17,183
Weighted-average Class B shares issued and outstanding	4,585			17,124			4,884			18,985
Basic earnings per Class B common share	$	0.25		$	0.32		$	0.93		$	0.91

Diluted earnings per Class B common share
Net income allocated to Class B common stockholders	$	1,139		$	5,401		$	4,546		$	17,183
Re-allocated earnings	247			340			1,158			1,021
Diluted net income allocated to Class B common stockholders	1,386			5,741			5,704			18,204
Weighted-average Class B shares issued and outstanding	4,585			17,124			4,884			18,985
Dilutive potential common shares:
Stock options	1,147			1,899			1,462			2,170
Diluted weighted-average Class B shares issued and outstanding	5,732			19,023			6,346			21,155
Diluted earnings per Class B common share	$	0.24		$	0.30		$	0.90		$	0.86

Antidilutive Shares

The following table shows the weighted-average number of anti-dilutive shares excluded from the diluted EPS calculation:



	Three Months Ended September 30,		Nine Months Ended September 30,
	2012	2011	2012	2011
	(In thousands)
Class A common stock
Options to purchase Class A common stock	2,153	522	1,143	209
Restricted stock units	43	—	19	—
Conversion of convertible preferred stock	6,859	—	6,859	—
Total options, restricted stock units and convertible preferred stock	9,055	522	8,021	209
Class B common stock
Options to purchase Class B common stock	403	21	67	3
Total options	403	21	67	3

Significant Customer Concentrations (Tables)

9 Months Ended

Sep. 30, 2012

Significant Customer Concentrations [Abstract]

Customer Concentrations

Revenues derived from our products sold at our four largest retail distributors represented the following percentages of our total operating revenues:



	Three Months Ended September 30,				Nine Months Ended September 30,
	2012		2011		2012		2011
Walmart	62	%	61	%	63	%	60	%
Three other largest retail distributors, as a group	20	%	20	%	21	%	20	%



	Three Months Ended September 30,				Nine Months Ended September 30,
	2012		2011		2012		2011
Walmart	63	%	62	%	64	%	61	%
Three other largest retail distributors, as a group	20	%	19	%	20	%	18	%

Note 13—Significant Customer Concentration (continued)



	Three Months Ended September 30,				Nine Months Ended September 30,
	2012		2011		2012		2011
Concentration of GPR cards activated (in units)	88	%	84	%	88	%	78	%
Concentration of sales of cash transfer products (in units)	89	%	89	%	88	%	89	%

Settlement assets derived from our products sold at our four largest retail distributors comprised the following percentages of the settlement assets recorded on our consolidated balance sheet:



	September 30, 2012		December 31, 2011
Walmart	29	%	36	%
Three other largest retail distributors, as a group	31	%	35	%

- Definition

Tabular disclosure of the nature of a concentration, a benchmark to which it is compared, and the percentage that the risk is to the benchmark.

+ References + Details

Organization Acquisitions (Details) - USD ($) $ in Millions	3 Months Ended
Organization Acquisitions (Details) - USD ($) $ in Millions	Dec. 31, 2011	Jun. 30, 2012
Loopt, Inc. [Member]
Business Acquisition [Line Items]
Cash paid for acquisitions		$ 33.6
Retention-based incentives		$ 9.8
Bonneville Bancorp [Member]
Business Acquisition [Line Items]
Cash paid for acquisitions	$ 15.7
Cash contributed to Green Dot Bank	$ 14.3

Summary of Significant Accounting Policies (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Dec. 31, 2011	Sep. 30, 2012	Sep. 30, 2011
Change in Estimate [Line Items]
Intangible asset reclassification	$ 684
GPR average card lifetime		8 months	9 months
Maximum [Member]
Change in Estimate [Line Items]
GPR average card lifetime analysis period		30 months	42 months

Investment Securities Gross Gains and Losses (Details) - USD ($) $ in Thousands	Sep. 30, 2012	Dec. 31, 2011
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	$ 146,206	$ 31,163
Gross unrealized gains	185	53
Gross unrealized losses	(3)	(6)
Total fixed income securities	146,388	31,210
Corporate bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	35,197	16,307
Gross unrealized gains	56	27
Gross unrealized losses	0	(1)
Total fixed income securities	35,253	16,333
Commercial paper [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	27,501	4,998
Gross unrealized gains	12	1
Gross unrealized losses	(1)	0
Total fixed income securities	27,512	4,999
Negotiable certificate of deposit [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	7,900	3,500
Gross unrealized gains	16	0
Gross unrealized losses	0	0
Total fixed income securities	7,916	3,500
US treasury notes [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	27,629
Gross unrealized gains	10
Gross unrealized losses	0
Total fixed income securities	27,639
Agency securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	25,363	3,979
Gross unrealized gains	25	12
Gross unrealized losses	(2)	(4)
Total fixed income securities	25,386	3,987
Municipal bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	6,237	2,379
Gross unrealized gains	42	13
Gross unrealized losses	0	(1)
Total fixed income securities	6,279	$ 2,391
Asset-backed securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	16,379
Gross unrealized gains	24
Gross unrealized losses	0
Total fixed income securities	$ 16,403

Investment Securities Continuous Unrealized Loss (Details) - USD ($) $ in Thousands	Sep. 30, 2012	Dec. 31, 2011
Corporate bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	$ 6,088	$ 2,999
Unrealized losses, less than 12 months	(1)	(1)
Fair value, 12 months or more	0	0
Unrealized losses, 12 months or more	0	0
Total fair value	6,088	2,999
Total unrealized losses	(1)	(1)
Agency securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	6,003	1,663
Unrealized losses, less than 12 months	(2)	(4)
Fair value, 12 months or more	0	0
Unrealized losses, 12 months or more	0	0
Total fair value	6,003	1,663
Total unrealized losses	(2)	(4)
Municipal bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months		324
Unrealized losses, less than 12 months		(1)
Fair value, 12 months or more		0
Unrealized losses, 12 months or more		0
Total fair value		324
Total unrealized losses		(1)
Total fixed income securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	12,091	4,986
Unrealized losses, less than 12 months	(3)	(6)
Fair value, 12 months or more	0	0
Unrealized losses, 12 months or more	0	0
Total fair value	12,091	4,986
Total unrealized losses	$ (3)	$ (6)

Investment Securities Maturities (Details) - USD ($) $ in Thousands	Sep. 30, 2012	Dec. 31, 2011
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis [Abstract]
Due in one year or less	$ 72,563
Due after one year through five years	55,826
Due after five years through ten years	1,337
Due after ten years	101
Asset-backed securities	16,379
Total fixed income securities	146,206
Available-for-sale Securities, Debt Maturities, Fair Value [Abstract]
Due in one year or less	72,611
Due after one year through five years	55,904
Due after five years through ten years	1,363
Due after ten years	107
Asset-backed securities	16,403
Total fixed income securities	$ 146,388	$ 31,210

Investment Securities Other-Than-Temporary Impairment (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
Investment Securities [Abstract]
Other-than-temporary impairment losses	$ 0	$ 0	$ 0	$ 0

- Definition

The amount by which the fair value of an investment is less than the amortized cost basis or carrying amount of that investment at the balance sheet date and the decline in fair value is deemed to be other than temporary, before considering whether or not such amount is recognized in earnings or other comprehensive income.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 115
-Paragraph 16
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=6943989&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 35
-Paragraph 34
-URI http://asc.fasb.org/extlink&oid=6956420&loc=d3e25351-111560

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name FASB Staff Position (FSP)
-Number FAS115-1/124-1
-Paragraph 15C
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name FASB Staff Position (FSP)
-Number FAS115-1/124-1
-Paragraph 15D
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name FASB Staff Position (FSP)
-Number FAS115-1/124-1
-Paragraph 16B
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name FASB Staff Position (FSP)
-Number FAS115-2/124-2
-Paragraph 22
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

Accounts Receivable Accounts receivable (Details) - USD ($) $ in Thousands	Sep. 30, 2012	Jun. 30, 2012	Dec. 31, 2011	Sep. 30, 2011	Jun. 30, 2011	Dec. 31, 2010
Outstanding Loans [Line Items]
Accounts Receivable, Net	$ 49,967		$ 45,454
Account balances due from cardholders [Member]
Outstanding Loans [Line Items]
Accounts Receivable, Gross	23,597		22,139
Allowance for Doubtful Accounts Receivable	(15,366)	$ (15,023)	(15,309)	$ (19,003)	$ (14,293)	$ (11,823)
Accounts Receivable, Net	8,231		6,830
Trade receivables [Member]
Outstanding Loans [Line Items]
Accounts Receivable, Gross	4,910		5,574
Allowance for Doubtful Accounts Receivable	(30)		(453)
Accounts Receivable, Net	4,880		5,121
Other receivables [Member]
Outstanding Loans [Line Items]
Accounts Receivable, Gross	10,063		4,691
Receivables due from card issuing banks [Member]
Outstanding Loans [Line Items]
Accounts Receivable, Gross	$ 26,793		$ 28,812

Accounts Receivable Reserve for uncollectible overdrawn accounts activity (Details) - Reserve for uncollectibe overdrawn accounts [Member] - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
Uncollectible Overdrawn Accounts [Roll Forward]
Balance, beginning of period	$ 15,023	$ 14,293	$ 15,309	$ 11,823
Fees	13,777	15,254	40,101	27,309
Purchase transactions	664	2,069	1,997	3,412
Charge-offs	(14,098)	(12,613)	(42,041)	(23,541)
Balance, end of period	$ 15,366	$ 19,003	$ 15,366	$ 19,003

Loans to Bank Customers Loan Summary (Details) - USD ($) $ in Thousands	Sep. 30, 2012	Dec. 31, 2011
Outstanding Loans [Line Items]
30-59 days past due	$ 562	$ 2
60-89 days past due	0	0
90 days or more past due	0	0
Past due 30 days or more	562	2
Current or less than 30 days past due	6,621	9,235
Purchased credit-impaired loans	505	799
Total outstanding	$ 7,688	$ 10,036
Percentage outstanding, 30-59 days past due	7.31%	0.02%
Percentage outstanding, 60-89 days past due	0.00%	0.00%
Percentage outstanding, 90 days or more past due	0.00%	0.00%
Percentage outstanding, total past due 30 days more	7.31%	0.02%
Percentage outstanding, current or less than 30 days past due	86.12%	92.02%
Percentage outstanding, purchase credit-impaired loans	6.57%	7.96%
Percentage oustanding	100.00%	100.00%
Allowance for loan losses	$ 0	$ 0
Real Estate [Member]
Outstanding Loans [Line Items]
30-59 days past due	250	0
60-89 days past due	0	0
90 days or more past due	0	0
Past due 30 days or more	250	0
Current or less than 30 days past due	2,959	4,983
Purchased credit-impaired loans	374	503
Total outstanding	3,583	5,486
Commercial [Member]
Outstanding Loans [Line Items]
30-59 days past due	0	2
60-89 days past due	0	0
90 days or more past due	0	0
Past due 30 days or more	0	2
Current or less than 30 days past due	1,181	1,371
Purchased credit-impaired loans	6	44
Total outstanding	1,187	1,417
Installment [Member]
Outstanding Loans [Line Items]
30-59 days past due	312	0
60-89 days past due	0	0
90 days or more past due	0	0
Past due 30 days or more	312	0
Current or less than 30 days past due	2,481	2,881
Purchased credit-impaired loans	125	252
Total outstanding	$ 2,918	$ 3,133

Loans to Bank Customers Nonperforming Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2012	Dec. 31, 2011
Nonperforming Loans [Line Items]
Nonperforming loans	$ 288	$ 0
Real Estate [Member]
Nonperforming Loans [Line Items]
Nonperforming loans	71	0
Commercial [Member]
Nonperforming Loans [Line Items]
Nonperforming loans	52	0
Installment [Member]
Nonperforming Loans [Line Items]
Nonperforming loans	$ 165	$ 0

Loans to Bank Customers Loans with Credit Impairment (Details) - USD ($) $ in Thousands	Sep. 30, 2012	Dec. 31, 2011
Outstanding Loans [Line Items]
Loans to bank customers	$ 7,688	$ 10,036
Non-Classified [Member]
Outstanding Loans [Line Items]
Loans to bank customers	6,895	9,514
Classified [Member]
Outstanding Loans [Line Items]
Loans to bank customers	793	522
Real Estate [Member]
Outstanding Loans [Line Items]
Loans to bank customers	3,583	5,486
Real Estate [Member] \| Non-Classified [Member]
Outstanding Loans [Line Items]
Loans to bank customers	3,138	5,125
Real Estate [Member] \| Classified [Member]
Outstanding Loans [Line Items]
Loans to bank customers	445	361
Commercial [Member]
Outstanding Loans [Line Items]
Loans to bank customers	1,187	1,417
Commercial [Member] \| Non-Classified [Member]
Outstanding Loans [Line Items]
Loans to bank customers	1,129	1,407
Commercial [Member] \| Classified [Member]
Outstanding Loans [Line Items]
Loans to bank customers	58	10
Installment [Member]
Outstanding Loans [Line Items]
Loans to bank customers	2,918	3,133
Installment [Member] \| Non-Classified [Member]
Outstanding Loans [Line Items]
Loans to bank customers	2,628	2,982
Installment [Member] \| Classified [Member]
Outstanding Loans [Line Items]
Loans to bank customers	$ 290	$ 151

Loans to Bank Customers PCI Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2012	Dec. 31, 2011
Loans [Abstract]
Unpaid principal balance	$ 1,066	$ 1,506
Carrying value excluding allowance for loan losses	$ 505	$ 799

Loans to Bank Customers Accretable Yield (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2012	Sep. 30, 2012
Accretable Yield Rollforward [Roll Forward]
Accretable yield	$ 98	$ 98
Accretion	(5)	(41)
Adjustments	37	73
Accretable yield	$ 130	$ 130

Loans to Bank Customers Impaired Financing Receivable (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2012 USD ($)
Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Unpaid principal balance	$ 109
Carrying value	99
Related allowance	28
Average carrying value	82
Interest income recognized	7
Commercial [Member]
Financing Receivable, Impaired [Line Items]
Unpaid principal balance	161
Carrying value	53
Related allowance	1
Average carrying value	51
Interest income recognized	0
Installment [Member]
Financing Receivable, Impaired [Line Items]
Unpaid principal balance	385
Carrying value	192
Related allowance	27
Average carrying value	178
Interest income recognized	51
Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Unpaid principal balance	109
Carrying value	99
Related allowance	28
Average carrying value	82
Interest income recognized	7
Commercial [Member]
Financing Receivable, Impaired [Line Items]
Unpaid principal balance	20
Carrying value	20
Related allowance	1
Average carrying value	14
Interest income recognized	0
Installment [Member]
Financing Receivable, Impaired [Line Items]
Unpaid principal balance	306
Carrying value	156
Related allowance	27
Average carrying value	126
Interest income recognized	40
Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Unpaid principal balance	0
Carrying value	0
Average carrying value	0
Interest income recognized	0
Commercial [Member]
Financing Receivable, Impaired [Line Items]
Unpaid principal balance	141
Carrying value	33
Average carrying value	37
Interest income recognized	0
Installment [Member]
Financing Receivable, Impaired [Line Items]
Unpaid principal balance	79
Carrying value	36
Average carrying value	52
Interest income recognized	$ 11

Loans to Bank Customers Troubled Debt Restructurings (Details) $ in Thousands	Sep. 30, 2012 USD ($)
Real Estate [Member]
Loan Modifications [Line Items]
Unpaid principal balance	$ 718
Carrying value	660
Commercial [Member]
Loan Modifications [Line Items]
Unpaid principal balance	158
Carrying value	50
Installment [Member]
Loan Modifications [Line Items]
Unpaid principal balance	372
Carrying value	$ 164

Loans to Bank Customers Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2012	Sep. 30, 2012
Allowance for Loan Losses [Roll Forward]
Allowance for loan losses, beginning of period	$ 310	$ 0
Provision for loans	39	349
Allowance for loan losses, end of period	$ 298	$ 298

Loans to Bank Customers Allowance for Credit Loses and Recorded Investment by Impairment Methodology (Details) - USD ($)
$ in Thousands

Sep. 30, 2012

Dec. 31, 2011

Loans [Abstract]

Collectively evaluated for impairment, allowance for loan losses

$ 242

Collectively evaluated for impairment, carrying value, gross of allowance

7,137

Impaired loans and troubled debt restructurings, allowance for loan losses

^[1]

Impaired loans and troubled debt restructurings, carrying value, gross of allowance

^[1]

344

Purchased credit-impaired loans, allowance for loan losses

Carrying value, gross of allowance

505

$ 799

Total, allowance for loan losses

298

$ 0

Total, carrying value, gross of allowance

$ 7,986

[1]	1 Represents loans individually evaluated for impairment

Fair Value Measurements (Details) - Fair Value, Measurements, Recurring [Member] - USD ($) $ in Thousands	Sep. 30, 2012	Dec. 31, 2011
Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 0	$ 0
Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	146,388	31,210
Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Fair value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	146,388	31,210
Corporate bonds [Member] \| Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Corporate bonds [Member] \| Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	35,253	16,333
Corporate bonds [Member] \| Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Corporate bonds [Member] \| Fair value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	35,253	16,333
Commercial paper [Member] \| Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Commercial paper [Member] \| Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	27,512	4,999
Commercial paper [Member] \| Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Commercial paper [Member] \| Fair value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	27,512	4,999
Negotiable certificate of deposit [Member] \| Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Negotiable certificate of deposit [Member] \| Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	7,916	3,500
Negotiable certificate of deposit [Member] \| Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Negotiable certificate of deposit [Member] \| Fair value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	7,916	3,500
US treasury notes [Member] \| Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0
US treasury notes [Member] \| Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	27,639
US treasury notes [Member] \| Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0
US treasury notes [Member] \| Fair value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	27,639
Agency securities [Member] \| Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Agency securities [Member] \| Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	25,386	3,987
Agency securities [Member] \| Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Agency securities [Member] \| Fair value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	25,386	3,987
Municipal bonds [Member] \| Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Municipal bonds [Member] \| Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	6,279	2,391
Municipal bonds [Member] \| Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Municipal bonds [Member] \| Fair value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	6,279	$ 2,391
Asset-backed securities [Member] \| Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0
Asset-backed securities [Member] \| Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	16,403
Asset-backed securities [Member] \| Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0
Asset-backed securities [Member] \| Fair value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 16,403

Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2012	Dec. 31, 2011
Fair Value Disclosures [Abstract]
Loans to bank customers	$ 7,688	$ 10,036
Loans to bank customers - fair value	6,471	10,036
Deposits	38,529	38,957
Deposits - fair value	$ 38,466	$ 38,957

Goodwill and Intangible Assets Goodwill (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2012 USD ($)
Goodwill [Roll Forward]
Goodwill, beginning of period	$ 10,817
Addition from acquisition	28,657
Goodwill, end of period	39,474
Intangible Assets [Roll Forward]
Intangible assets, beginning of period	684
Patents acquired from Loopt, Inc.	3,455
Amortization	(99)
Intangible assets, end of period	$ 4,040

- Definition

Carrying amount as of the balance sheet date, which is the cumulative amount paid and (if applicable) the fair value of any noncontrolling interest in the acquiree, adjusted for any amortization recognized prior to the adoption of any changes in generally accepted accounting principles (as applicable) and for any impairment charges, in excess of the fair value of net assets acquired in one or more business combination transactions.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 142
-Paragraph 45
-Subparagraph e
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 142
-Paragraph 43
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 141R
-Paragraph 68
-Subparagraph l
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 20
-Section 45
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6388280&loc=d3e13770-109266

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 20
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6905597&loc=d3e13816-109267

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 141R
-Paragraph 72
-Subparagraph d
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 142
-Paragraph 45
-Subparagraph e
-Clause 1
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 141R
-Paragraph 34
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

Income Taxes (Details)	9 Months Ended
Income Taxes (Details)	Sep. 30, 2012	Sep. 30, 2011
Income Tax Disclosure [Abstract]
U.S. federal statutory tax rate	35.00%	35.00%
State income taxes, net of federal benefit	1.80%	1.30%
Employee stock-based compensation	1.90%	1.50%
Other	0.60%	0.30%
Effective tax rate	39.30%	38.10%

Employee Stock-Based Compensation Grant Summary (Details) shares in Thousands	9 Months Ended
	Sep. 30, 2012 yr $ / shares shares	Sep. 30, 2011 yr $ / shares shares
Stock options [Member]
Grants [Abstract]
Number granted \| shares	1,011	752
Weighted-average exercise price	$ 27.83	$ 39.86
Weighted-average grant-date fair value	$ 12.97	$ 19.24
Fair value assumptions [Abstract]
Risk-free interest rate	1.12%	2.06%
Expected term (life) of options (in years) \| yr	6.06	6.06
Expected dividends	0.00%	0.00%
Expected volatility	48.23%	48.32%
RSUs [Member]
Grants [Abstract]
Number granted \| shares	53	14
Weighted-average grant-date fair value	$ 28.7	$ 32.82

Employee Stock-Based Compensation Other Figures (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011
Share-based Compensation [Abstract]
Total stock-based compensation expense	$ 9,041	$ 7,042

Earnings per Common Share Basic Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
Basic earnings per common share [Line Items]
Net income	$ 10,613	$ 13,303	$ 39,620	$ 38,074
Basic net income [Abstract]
Income attributable to preferred stock	(1,704)	0	(6,385)	0
Class A common stock [Member]
Basic net income [Abstract]
Net income allocated, basic	$ 7,470	$ 7,381	$ 27,461	$ 19,298
Basic weighted-average shares issued and outstanding [Abstract]
Weighted-average shares issued and outstanding	30,067	23,401	29,502	21,322
Basic earnings per common share [Abstract]
Basic earnings per Class A common share	$ 0.25	$ 0.32	$ 0.93	$ 0.91
Class A common stock [Member] \| Class B common stock [Member]
Basic net income [Abstract]
Income attributable to other classes of common stock	$ (1,439)	$ (5,922)	$ (5,774)	$ (18,776)
Class B common stock [Member]
Basic net income [Abstract]
Net income allocated, basic	$ 1,139	$ 5,401	$ 4,546	$ 17,183
Basic weighted-average shares issued and outstanding [Abstract]
Weighted-average shares issued and outstanding	4,585	17,124	4,884	18,985
Basic earnings per common share [Abstract]
Basic earnings per Class A common share	$ 0.25	$ 0.32	$ 0.93	$ 0.91
Class B common stock [Member] \| Class A common stock [Member]
Basic net income [Abstract]
Income attributable to other classes of common stock	$ (7,770)	$ (7,902)	$ (28,689)	$ (20,891)

Earnings per Common Share Diluted Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
Class A common stock [Member]
Diluted net income [Abstract]
Net income allocated, basic	$ 7,470	$ 7,381	$ 27,461	$ 19,298
Allocated earnings to participating securities, net of re-allocated earnings	1,386	5,741	5,704	18,204
Re-Allocated Earnings	(193)	(318)	(896)	(942)
Diluted net income allocated to common stockholders	$ 8,663	$ 12,804	$ 32,269	$ 36,560
Diluted weighted-average shares issued and outstanding [Abstract]
Weighted-average shares issued and outstanding	30,067	23,401	29,502	21,322
Dilutive potential common shares [Abstract]
Class B common stock	5,732	19,023	6,346	21,155
Diluted weighted-average shares issued and outstanding	35,826	42,426	35,901	42,486
Diluted earnings per common share [Abstract]
Diluted earnings per common share	$ 0.24	$ 0.30	$ 0.90	$ 0.86
Class A common stock [Member] \| Stock options [Member]
Dilutive potential common shares [Abstract]
Dilutive share-based payment awards	0	0	0	0
Class A common stock [Member] \| Restricted stock units [Member]
Dilutive potential common shares [Abstract]
Dilutive share-based payment awards	0	2	4	1
Class A common stock [Member] \| Employee stock purchase plan [Member]
Dilutive potential common shares [Abstract]
Dilutive share-based payment awards	27	0	49	8
Class B common stock [Member]
Diluted net income [Abstract]
Net income allocated, basic	$ 1,139	$ 5,401	$ 4,546	$ 17,183
Re-Allocated Earnings	247	340	1,158	1,021
Diluted net income allocated to common stockholders	$ 1,386	$ 5,741	$ 5,704	$ 18,204
Diluted weighted-average shares issued and outstanding [Abstract]
Weighted-average shares issued and outstanding	4,585	17,124	4,884	18,985
Dilutive potential common shares [Abstract]
Diluted weighted-average shares issued and outstanding	5,732	19,023	6,346	21,155
Diluted earnings per common share [Abstract]
Diluted earnings per common share	$ 0.24	$ 0.30	$ 0.90	$ 0.86
Class B common stock [Member] \| Stock options [Member]
Dilutive potential common shares [Abstract]
Dilutive share-based payment awards	1,147	1,899	1,462	2,170

Earnings per Common Share Antidilutive Shares (Details) - shares shares in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
Class A common stock [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	9,055	522	8,021	209
Class A common stock [Member] \| Stock options [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	2,153	522	1,143	209
Class A common stock [Member] \| Restricted stock units [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	43	0	19	0
Class A common stock [Member] \| Convertible preferred stock [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	6,859	0	6,859	0
Class B common stock [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	403	21	67	3
Class B common stock [Member] \| Stock options [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	403	21	67	3

- Definition

Securities (including those issuable pursuant to contingent stock agreements) that could potentially dilute basic earnings per share (EPS) or earnings per unit (EPU) in the future that were not included in the computation of diluted EPS or EPU because to do so would increase EPS or EPU amounts or decrease loss per share or unit amounts for the period presented.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 128
-Paragraph 13, 14
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 128
-Paragraph 171
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 128
-Paragraph 40
-Subparagraph c
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Diluted Earnings Per Share
-URI http://asc.fasb.org/extlink&oid=6510752

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Contingent Stock Agreement
-URI http://asc.fasb.org/extlink&oid=6508534

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Antidilution
-URI http://asc.fasb.org/extlink&oid=6505113

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Emerging Issues Task Force (EITF)
-Number 07-4
-Paragraph 4
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

Earnings per Common Share Other (Details)	Sep. 30, 2012 shares
Earnings Per Share [Abstract]
Unvested warrant	4,283,456

Significant Customer Concentrations (Details) - Customer Concentration Risk [Member]	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011	Jun. 30, 2011
Total Operating Revenues [Member] \| Walmart [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	62.00%	61.00%	63.00%	60.00%
Total Operating Revenues [Member] \| Three Other Largest Retailer Distributors, as a Group [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	20.00%	20.00%	21.00%	20.00%
Total Operating Revenues, Excluding Stock-Based Retailer Incentive Compensation [Member] \| Walmart [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	63.00%	62.00%	64.00%	61.00%
Total Operating Revenues, Excluding Stock-Based Retailer Incentive Compensation [Member] \| Three Other Largest Retailer Distributors, as a Group [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	20.00%	19.00%	20.00%	18.00%
GPR Cards Activated (in units) [Member] \| Four Largest Retailers Distributors [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	88.00%	84.00%	88.00%	78.00%
Sales of Cash Transfer Products (in units) [Member] \| Four Largest Retailers Distributors [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	89.00%	89.00%	88.00%	89.00%
Settlement Assets [Member] \| Walmart [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	29.00%		29.00%		36.00%
Settlement Assets [Member] \| Three Other Largest Retailer Distributors, as a Group [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	31.00%		31.00%		35.00%

Significant Customer Concentrations Stock-Based Retailer Incentive Compensation (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
Significant Customer Concentrations [Abstract]
Stock-based retailer incentive compensation	$ 1,202	$ 3,549	$ 6,985	$ 13,785

Subsequent Events Subsequent events (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2012 USD ($)
Subsequent Event [Line Items]
Subsequent Event, Amount	$ 173,000