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Document And Entity Information Document - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2012	Jan. 31, 2013	Jun. 30, 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-K
Document Period End Date	Dec. 31, 2012
Document Fiscal Year Focus	2012
Document Fiscal Period Focus	FY
Amendment Flag	false
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Public Float			$ 694.7
Common Class A [Member]
Entity Information [Line Items]
Entity Common Stock, Shares Outstanding		31,801,422
Common Class B [Member]
Entity Information [Line Items]
Entity Common Stock, Shares Outstanding		4,192,974

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Current assets:
Unrestricted cash and cash equivalents	$ 293,590	$ 223,033
Federal funds sold	3,001	2,400
Investment securities available-for-sale, at fair-value	115,244	20,647
Settlement assets	36,127	27,355
Accounts receivable, net	40,441	41,307
Prepaid expenses and other assets	31,952	11,822
Income Taxes Receivable, Current	7,386	3,371
Deferred Tax Assets, Net of Valuation Allowance, Current	2,478	6,664
Total current assets	530,219	336,599
Restricted cash	634	12,926
Investment securities available-for-sale, at fair value	68,543	10,563
Accounts receivable, net	10,931	4,147
Loans to bank customers, net of allowance for loan losses of $475 and $0 as of December 31, 2012 and 2011, respectively	7,552	10,036
Prepaid expenses and other assets	1,530	202
Property and equipment, net	58,376	27,281
Deferred expenses	12,510	12,604
Deferred Tax Assets, Net of Valuation Allowance, Noncurrent	4,629	0
Goodwill and Intangible Assets	30,804	11,501
Total assets	725,728	425,859
Current liabilities:
Accounts payable	31,411	15,441
Deposits	198,451	38,957
Client Funds Held	46,156	0
Settlement obligations	3,639	27,355
Amounts due to card issuing banks for overdrawn accounts	50,724	42,153
Other accrued liabilities	29,469	16,248
Deferred revenue	19,557	21,500
Deferred Tax Liabilities, Net, Current	0	0
Total current liabilities	379,407	161,654
Other accrued liabilities	18,557	6,239
Deferred revenue	0	19
Deferred Tax Liabilities, Net, Noncurrent	0	4,751
Total liabilities	397,964	172,663
Stockholders’ equity:
Additional paid-in capital	158,656	131,383
Retained Earnings (Accumulated Deficit)	168,960	121,741
Accumulated other comprehensive income	106	30
Stockholders' Equity Attributable to Parent	327,764	253,196
Total liabilities and stockholders’ equity	725,728	425,859
Convertible Series A preferred stock [Member]
Stockholders’ equity:
Preferred stock	7	7
Common Class A [Member]
Stockholders’ equity:
Common Stock, Value, Issued	31	30
Common Class B [Member]
Stockholders’ equity:
Common Stock, Value, Issued	$ 4	$ 5

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Financing Receivable, Allowance for Credit Losses	$ 475	$ 0
Preferred stock, shares authorized		10,085
Convertible Series A preferred stock [Member]
Preferred stock, par value	$ 0.001	$ 0.001
Preferred stock, shares authorized	10,000	10,000
Preferred Stock, Shares Issued	7,000	7,000
Preferred Stock, Shares Outstanding	7,000	7,000
Common Class A [Member]
Common stock, par value	$ 0.001	$ 0.001
Common stock, shares authorized	100,000,000	100,000,000
Common Stock, Shares, Issued	31,798,000	30,162,000
Common stock, shares outstanding	31,798,000	30,162,000
Common Class B [Member]
Common stock, par value	$ 0.001	$ 0.001
Common stock, shares authorized	100,000,000	100,000,000
Common Stock, Shares, Issued	4,197,000	5,280,000
Common stock, shares outstanding	4,197,000	5,280,000

Consolidated Statements of Operations - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Operating revenues
Card revenues and other fees	$ 224,745	$ 209,489	$ 167,375
Cash transfer revenues	165,232	134,143	101,502
Interchange revenues	164,559	141,103	108,380
Stock-based retailer incentive compensation	(8,251)	(17,337)	(13,369)
Total operating revenues	546,285	467,398	363,888
Operating expenses
Sales and marketing expenses	209,870	168,747	122,890
Compensation and benefits expenses	114,930	87,671	70,102
Processing expenses	77,445	70,953	56,978
Other General and Administrative Expense	71,900	56,578	44,599
Total operating expenses	474,145	383,949	294,569
Operating Income (Loss)	72,140	83,449	69,319
Interest income	4,074	910	365
Interest expense	(76)	(346)	(52)
Income before income taxes	76,138	84,013	69,632
Income Tax Expense (Benefit)	28,919	31,930	27,400
Net Income (Loss) Attributable to Parent	47,219	52,083	42,232
Income attributable to preferred stock	(7,599)	(558)	(14,659)
Net income allocated to common stockholders	39,620	51,525	27,573
Common Class A [Member]
Operating revenues
Stock-based retailer incentive compensation	0	0	0
Operating expenses
Net Income (Loss) Attributable to Parent	$ 0	$ 0	$ 0
Earnings per common share
Earnings Per Share, Basic, Undistributed	$ 1.11	$ 1.24	$ 1.06
Earnings Per Share, Diluted, Undistributed	$ 1.07	$ 1.19	$ 0.98
Weighted-average common shares issued and outstanding
Basic	29,698	22,238	2,980
Diluted	35,933	42,065	27,782
Common Class B [Member]
Operating revenues
Stock-based retailer incentive compensation	$ 0	$ 0	$ 0
Operating expenses
Net Income (Loss) Attributable to Parent	$ 0	$ 0	$ 0
Earnings per common share
Earnings Per Share, Basic, Undistributed	$ 1.11	$ 1.24	$ 1.06
Earnings Per Share, Diluted, Undistributed	$ 1.07	$ 1.19	$ 0.98
Weighted-average common shares issued and outstanding
Basic	4,801	17,718	21,589
Diluted	6,150	19,822	24,796

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Statement of Other Comprehensive Income [Abstract]
Net Income (Loss) Attributable to Parent	$ 47,219	$ 52,083	$ 42,232
Other comprehensive gain, net of tax [Abstract]
Unrealized holding losses arising during period, net of reclassification adjustments for amounts included in net income	76	30	0
Comprehensive income	$ 47,295	$ 52,113	$ 42,232

- 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 + Details

- Definition

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

+ References

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+ Details

- Definition

Net of tax amount of unrealized holding gain (loss) before reclassification adjustments and transfers on available-for-sale securities.

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+ Details

Consolidated Statements of Change in Stockholders' Equity - USD ($) $ in Thousands	Total	Convertible Preferred Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Common Class A [Member]	Common Class B [Member]
Common Stock, Value, Issued						$ 0	$ 13
Stockholders' Equity Attributable to Parent	$ 71,364		$ 12,603	$ 27,426	$ 0
Preferred Stock, Shares Outstanding		24,942,000
Preferred stock		$ 31,322
Common Stock, Shares, Issued						0	12,860,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period	936,301
Proceeds from Stock Options Exercised	$ 4,000
Stock Issued During Period, Shares, Share-based Compensation, Net of Forfeitures		0				0	2,000
Exercise of options and warrants, Number	0					0	1,840,000
Exercise of options and warrants, amount	$ 30,875	$ 0	30,873	0	0	$ 0	$ 2
Adjustments to Additional Paid in Capital, Share-based Compensation, Requisite Service Period Recognition	7,256	$ 0	7,256	0	0	$ 0	$ 0
Stock-based retailer incentive compensation shares		0				2,209,000
Stock-based retailer incentive compensation	13,369	$ 0	13,369	0	0	$ 0	$ 0
Stock Issued During Period, Shares, Conversion of Convertible Securities		(24,942,000)				0	(24,942,000)
Conversion of Preferred Stock Upon IPO, Amount	0	$ (31,322)	31,297	0	0	$ 0	$ 25
Conversion of Class B common stock upon IPO, Number						(5,242,000)	(5,242,000)
Conversion of Class B common stock upon IPO, Amount	0					$ 5	$ (5)
Conversion of Class B common stock upon follow on offering, Number		0				(3,686,000)	(3,686,000)
Conversion of Class B common stock upon follow-on offering, amount	35	$ 0	35	0	0	$ 4	$ (4)
Conversion of Stock, Shares Converted		0				(3,625,000)	(3,625,000)
Conversion of Stock, Amount Converted	0	$ 0	0	0	0	$ 4	$ (4)
Net Income (Loss) Attributable to Parent	42,232	$ 0	0	42,232	0	0	0
Common Stock, Value, Issued						$ 13	$ 27
Stockholders' Equity Attributable to Parent	165,131		95,433	69,658	0
Preferred Stock, Shares Outstanding		0
Preferred stock		$ 0
Common Stock, Shares, Issued						14,762,000	27,091,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period						104,000	344,000
Proceeds from Stock Options Exercised	9,091	$ 0	9,089			$ 2	$ 0
Stock Issued During Period, Shares, Share-based Compensation, Net of Forfeitures		0				0	0
Adjustments to Additional Paid in Capital, Share-based Compensation, Requisite Service Period Recognition	9,524	$ 0	9,524	0	0	$ 0	$ 0
Stock-based retailer incentive compensation shares		0				0	0
Stock-based retailer incentive compensation	17,337	$ 0	17,337	0	0	$ 0	$ 0
Conversion of Stock, Shares Converted		(7,000)				(15,296,000)	(22,155,000)
Conversion of Stock, Amount Converted	0	$ 7	0			$ 15	$ (22)
Net Income (Loss) Attributable to Parent	52,083	0	0	52,083	0	0	0
Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax	30	$ 0	0	0	30	0	0
Common Stock, Value, Issued						$ 30	$ 5
Stockholders' Equity Attributable to Parent	$ 253,196		131,383	121,741	30
Preferred Stock, Shares Outstanding		7,000
Preferred stock		$ 7
Common Stock, Shares, Issued						30,162,000	5,280,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period	(412,000)	0				141,000	412,000
Proceeds from Stock Options Exercised	$ 6,288	$ 0	6,288			$ 0	$ 0
Stock Issued During Period, Shares, Share-based Compensation, Net of Forfeitures		0				0	0
Adjustments to Additional Paid in Capital, Share-based Compensation, Requisite Service Period Recognition	12,734	$ 0	12,734	0	0	$ 0	$ 0
Stock-based retailer incentive compensation shares		0				0	0
Stock-based retailer incentive compensation	8,251	$ 0	8,251	0	0	$ 0	$ 0
Conversion of Stock, Shares Converted		0				(1,495,000)	(1,495,000)
Conversion of Stock, Amount Converted	0	$ 0	0	0	0	$ 1	$ (1)
Net Income (Loss) Attributable to Parent	47,219	0	0	47,219	0	0	0
Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax	76	$ 0	0	0	76	0	0
Common Stock, Value, Issued						$ 31	$ 4
Stockholders' Equity Attributable to Parent	$ 327,764		$ 158,656	$ 168,960	$ 106
Preferred Stock, Shares Outstanding		7,000
Preferred stock		$ 7
Common Stock, Shares, Issued						31,798,000	4,197,000

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Operating activities [Abstract]
Net Income (Loss) Attributable to Parent	$ 47,219	$ 52,083	$ 42,232
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Depreciation, Depletion and Amortization	18,131	12,330	7,588
Provision for uncollectible overdrawn accounts	62,345	60,562	46,093
Share-based Compensation	12,734	9,524	7,256
Stock-based retailer incentive compensation	8,251	17,337	13,369
Amortization of premium on available-for-sale investment securities	1,188	251	0
Net gain on investment securities	(11)	0	0
(Recovery) provision for uncollectible trade receivables	(359)	455	(13)
Impairment of Long-Lived Assets Held-for-use	1,029	397	409
Deferred income taxes	5,792	251	(704)
Excess tax benefits from exercise of options	(2,738)	(2,951)	(24,842)
Changes in operating assets and liabilities
Accounts receivable, net	(66,099)	(70,510)	(51,754)
Prepaid expenses and other assets	(21,325)	(2,838)	(1,042)
Deferred expenses	94	(3,100)	(1,304)
Accounts payable and other accrued liabilities	31,475	(4,489)	16,042
Amounts due issuing bank for overdrawn accounts	7,571	7,085	11,646
Deferred revenue	(1,962)	4,261	2,113
Income tax receivable	(1,307)	13,403	16,414
Net cash provided by operating activities	102,028	94,051	83,503
Investing activities [Abstract]
Purchases of available-for-sale investment securities	(271,869)	(45,056)	0
Proceeds from maturities of available-for-sale securities	37,563	20,152	0
Proceeds from sales of available-for-sale securities	81,474	0	0
Increase in restricted cash	12,292	(7,791)	10,246
Payments for acquisition of property and equipment	(40,441)	(23,076)	(13,459)
Net principal collections on loans	2,484	245	0
Acquisition of Loopt, Inc., net of cash acquired	(31,823)	5,085	0
Net cash used in investing activities	(210,320)	(50,441)	(3,213)
Financing activities [Abstract]
Proceeds from exercise of options	3,550	6,138	6,068
Excess tax benefits from exercise of options	2,738	2,951	24,842
Net increase in deposits	159,494	5,231	0
Increase (Decrease) in Client Funds Held	13,668	0	0
Net cash provided by financing activities	179,450	14,320	30,910
Cash and Cash Equivalents and Federal Funds Sold, Period Increase (Decrease)	71,158	57,930	111,200
Unrestricted cash, cash equivalents, and federal funds sold, beginning of year	225,433	167,503	56,303
Unrestricted cash, cash equivalents, and federal funds sold, end of period	296,591	225,433	167,503
Cash paid for interest	98	108	42
Cash paid for income taxes	$ 28,203	$ 18,291	$ 14,282

Organization	12 Months Ended
Organization	Dec. 31, 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, LLC) 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 and services 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; 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; and GoBank, an innovative checking account developed for distribution and use via mobile phones, which is expected to be available to U.S. consumers generally during the second or third quarter of 2013. 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 products and 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),The Bancorp Bank, University National Bank, and prior to November 2012, 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, 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.” Initial Public Offering On July 27, 2010, we completed an initial public offering of 5,241,758 shares of our Class A common stock at an initial public offering price of $36.00 per share, all of which were sold by existing stockholders. We did not receive any proceeds from the sale of shares of our Class A common stock in the offering. Concurrent with the completion of the initial public offering, certain selling stockholders exercised a warrant to purchase 283,786 shares of Series C-1 preferred stock at an exercise price of $1.41 per share and vested options to purchase 377,840 shares of Class B common stock with a weighted-average exercise price of $2.63 in order to sell the underlying shares of Class A common stock in the offering. We received aggregate proceeds of $1.4 million from these exercises. Additionally, all of our outstanding shares of convertible preferred stock were automatically converted to 24,941,421 shares of our Class B common stock, and all shares of our Class B common stock sold in the offering were automatically converted into a like number of Class A common stock. 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. 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. We committed to pay $9.8 million in retention-based incentives for employees we hired in connection with the acquisition of Loopt. In December 2012, we converted Loopt from a corporation to a limited liability company.

- Definition

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

+ References

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+ Details

Summary of Significant Accounting Policies

12 Months Ended

Dec. 31, 2012

Accounting Policies [Abstract]

Summary of Significant Accounting Policies

Basis of Presentation

Our consolidated financial statements include the results of entities that we control through a 50% or more ownership interest. We have prepared the accompanying consolidated financial statements in conformity with U.S. generally accepted accounting principles, or GAAP. We have eliminated all significant intercompany balances and transactions in consolidation. We include the results of operations of acquired companies from the date of acquisition.

Note 2—Summary of Significant Accounting Policies (continued)

We consider an operating segment to be any component of our business whose operating results are regularly reviewed by our chief operating decision-maker to make decisions about resources to be allocated to the segment and assess its performance based on discrete financial information. Only those operating segments that meet certain quantitative and qualitative criteria are reportable segments. Our Chief Executive Officer, our chief operating decision-maker, reviews our operating results on an aggregate basis and manages our operations and the allocation of resources as a single operating segment — prepaid cards and related services.

Changes in Presentation

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.

Use of Estimates and Assumptions

The preparation of financial statements in conformity with GAAP requires us to make estimates and assumptions that affect the amounts reported in the consolidated financial statements, including the accompanying notes. We base our estimates and assumptions on historical factors, current circumstances, and the experience and judgment of management. We evaluate our estimates and assumptions on an ongoing basis. Actual results could differ from those estimates.

Unrestricted Cash and Cash Equivalents and Federal Funds Sold

We consider all unrestricted highly liquid investments with an original maturity of three months or less to be unrestricted cash and cash equivalents. Federal funds sold consist of unsecured overnight advances of excess balances in our bank reserve account and are included in unrestricted cash and cash equivalents on our statements of cash flows.

Investment Securities

Our investment portfolio is primarily comprised of fixed income securities. We classify these 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. We classify investment securities with original maturities greater than 90 days, but less than or equal to 365 days as current assets.

We regularly evaluate each fixed income security where the value has declined below amortized cost to assess whether the decline in fair value is other-than-temporary. In determining whether an impairment is other-than-temporary, we consider the severity and duration of the decline in fair value, the length of time expected for recovery, the financial condition of the issuer, and other qualitative factors, as well as whether we either plan to sell the security or it is more-likely-than-not that we will be required to sell the security before recovery of its amortized cost. If the impairment of the investment security is credit-related, an other-than-temporary impairment is recorded in earnings. We recognize non-credit-related impairment in accumulated other comprehensive income. If we intend to sell an investment security or believe we will more-likely-than-not be required to sell a security, we record the full amount of the impairment as an other-than-temporary impairment.

Interest on fixed income securities, including amortization of premiums and accretion of discounts, is included in interest income.

Obligations to Customers and Settlement Assets and Obligations

Our retail distributors collect customer funds for purchases of new cards and reloads at the point of sale and then remit these funds directly to bank accounts established for the benefit of these customers by the banks that issue our cards. During the third quarter of 2012, our retail distributors began remitting these funds to our subsidiary bank as we transitioned our card issuing program with Synovus Bank to our subsidiary bank. Our retail distributors’ remittance of these funds takes an average of two business days.

Settlement assets represent the amounts due from our retail distributors for customer funds collected at the point of sale that have not yet been received by our subsidiary bank. Obligations to customers represent customer funds collected from or to be remitted by our retail distributors for which the underlying products have not been activated. Settlement obligations represent the customer funds received by our subsidiary bank that are due to third-party card issuing banks upon activation.

Note 2—Summary of Significant Accounting Policies (continued)

Accounts Receivable, Net

Accounts receivable is comprised principally of receivables due from card issuing banks, overdrawn account balances due from cardholders, trade accounts receivable and other receivables. We record accounts receivable net of reserves for estimated uncollectible accounts. Receivables due from card issuing banks primarily represent revenue-related funds collected by the third-party card issuing banks from our retail distributors, merchant banks and cardholders that have yet to be remitted to us. These receivables are generally collected within a short period of time based on the remittance terms in our agreements with the third-party card issuing banks.

Overdrawn Account Balances Due from Cardholders and Reserve for Uncollectible Overdrawn Accounts

Cardholder account overdrafts may arise from maintenance fee assessments on our GPR cards or from purchase transactions that we honor on GPR or gift cards, in each case in excess of the funds in a cardholder’s account. We are exposed to losses from unrecovered cardholder account overdrafts. We establish a reserve for uncollectible overdrawn accounts. We classify overdrawn accounts into age groups based on the number of days that have elapsed since an account has had activity, such as a purchase, ATM transaction or maintenance fee assessment. We calculate a reserve factor for each age group based on the average recovery rate for the most recent six months. These factors are applied to these age groups to estimate our overall reserve. When more than 90 days have passed without activity in an account, we consider recovery to be remote and write off the full amount of the overdrawn account balance. We include our provision for uncollectible overdrawn accounts related to maintenance fees and purchase transactions as an offset to card revenues and other fees and in other general and administrative expenses, respectively, in the accompanying consolidated statements of operations.

Restricted Cash

We maintain restricted deposits in bank accounts to collateralize a standby letter of credit that guarantees our full performance of our obligations under our ten-year office lease in Pasadena, California. As of December 31, 2011, we also maintained restricted cash deposits to collateralize our then-outstanding line of credit. After a consumer purchases a new card or cash transfer product at a retail location, we make the funds immediately available once the consumer goes online or calls a toll-free number to activate the new card or add funds from a cash transfer product. Since our retail distributors do not remit funds to our card issuing banks, on average, for two business days, we maintained a line of credit with certain third-party card issuing banks that was available to fund any cash requirements related to the timing difference between funds remitted by our retail distributors to the third-party card issuing banks and funds utilized by consumers. We repaid any draws on this line of credit when our retail distributors remitted the funds to the bank account of the applicable third-party card issuing bank.

Loans to Bank Customers

We report loans measured at historical cost at their outstanding principle balances, net of any charge-offs, and for purchased loans, net of any unaccreted discounts. We recognize interest income as it is earned.

Purchased Credit-Impaired Loans

In connection with our acquisition of Bonneville Bancorp, we acquired loans and recorded them at fair value on the acquisition date. Some of our purchased loans have had evidence of credit quality deterioration since origination. We consider purchased loans to be impaired if we do not expect to receive all contractually required cash flows due to concerns about credit quality. The excess of the cash flows expected to be collected measured as of the acquisition date, over the estimated fair value is referred to as the accretable yield and is recognized in interest income over the remaining life of the loan using a level yield methodology. The difference between contractually-required payments as of the acquisition date and the cash flows expected to be collected is referred to as the nonaccretable difference.

We determine the initial fair values of purchased credit-impaired loans, or PCI loans, using a discounted cash flow model based on assumptions about the amount and timing of principal and interest payments, estimates of principal losses and current market rates. If there are subsequent decreases in expected principal cash flows, we record a charge to the provision for credit losses and a corresponding increase to the allowance for loan losses. If there are subsequent increases in expected principal cash flows, we record a recovery of any previously recorded allowance for loan losses, to the extent applicable, and a reclassification from nonaccretable difference to accretable yield for any remaining increase.

Note 2—Summary of Significant Accounting Policies (continued)

Since PCI loans are recorded at fair value at the acquisition date, we do not classify these loans as nonperforming as the loans were written down to fair value at the acquisition date and the accretable yield is recognized in interest income over the remaining life of the loan.

Nonperforming Loans

Nonperforming loans generally include loans, other than PCI loans, that have been placed on nonaccrual status. We generally place loans on nonaccrual status when they are past due 90 days or more. We reverse the related accrued interest receivable and apply interest collections on nonaccruing loans as principal reductions; otherwise, we credit such collections to interest income when received. These loans may be restored to accrual status when all principal and interest is current and full repayment of the remaining contractual principal and interest is expected.

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. 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 based on observable market prices, or for loans that are solely dependent on the collateral for repayment, 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.

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.

Property and Equipment

We carry our property and equipment at cost less accumulated depreciation and amortization. We generally compute depreciation on property and equipment using the straight-line method over the estimated useful lives of the assets, except for internal-use software in development and land, which are not depreciated. We generally compute amortization on tenant improvements using the straight-line method over the shorter of the related lease term or estimated useful lives of the improvements. We expense expenditures for maintenance and repairs as incurred.

The estimated useful lives of the respective classes of assets are as follows:



Land	N/A
Building	30 years
Computer equipment, furniture and office equipment	3-4 years
Computer software purchased	3 years
Capitalized internal-use software	2 years
Tenant improvements	Shorter of the useful life or the lease term

We capitalize certain internal and external costs incurred to develop internal-use software during the application development stage. We also capitalize the cost of specified upgrades and enhancements to internal-use software that result in additional functionality. Once a development project is substantially complete and the software is ready for its intended use, we begin depreciating these costs on a straight-line basis over the internal-use software’s estimated useful life.

Note 2—Summary of Significant Accounting Policies (continued)

Impairment of Long Lived Assets

We evaluate long-lived assets for impairment whenever events or changes in circumstances indicate that the carrying amount of an asset may not be recoverable. If the sum of expected undiscounted future cash flows from an asset is less than the carrying amount of the asset, we recognize an impairment loss. We measure the loss as the amount by which the carrying amount exceeds its fair value calculated using the present value of estimated net future cash flows. Included in other general and administrative expenses in our consolidated statements of operations for the years ended December 31, 2012, 2011 and 2010 were $1.0 million, $0.4 million and $0.4 million, respectively, of recognized impairment losses on internal-use software.

Goodwill and Intangible Assets

Goodwill is the purchase premium after adjusting for the fair value of net assets acquired. Goodwill is not amortized but is reviewed for potential impairment on an annual basis, or when events or circumstances indicate a potential impairment, at the reporting unit level. A reporting unit, as defined under applicable accounting guidance, is a business segment or one level below a business segment. We first assess qualitative factors to determine whether it is more likely-than-not (i.e., a likelihood of more than 50 percent) that the fair value of a reporting unit is less than its carrying value. This step serves as the basis for determining whether it is necessary to perform the two-step quantitative impairment test. The first step of the quantitative impairment test involves a comparison of the estimated fair value of each reporting unit to its carrying amount, including goodwill. If the estimated fair value of the reporting unit exceeds its carrying amount, goodwill of the reporting unit is not impaired; however, if the carrying amount of the reporting unit exceeds its estimated fair value, then the second step of the quantitative impairment test must be performed. The second step compares the implied fair value of the reporting unit’s goodwill with its carrying amount to measure the amount of impairment loss, if any. The implied fair value of goodwill is determined in the same manner as the amount of goodwill recognized in a business combination. If the carrying amount of the reporting unit’s goodwill exceeds the implied fair value of that goodwill, an impairment loss is recognized in an amount equal to that excess.

For intangible assets, we recognize an impairment loss if the carrying amount of the intangible asset is not recoverable and exceeds fair value. The carrying amount of the intangible asset is considered not recoverable if it exceeds the sum of the undiscounted cash flows expected to result from the use of the asset.

Intangible assets with finite lives are amortized on a straight-line basis over their estimated useful lives.

Amounts Due to Card Issuing Banks for Overdrawn Accounts

Our third-party card issuing banks fund overdrawn cardholder account balances on our behalf. Amounts funded are due from us to the card issuing banks based on terms specified in the agreements with the card issuing banks. Generally, we expect to settle these obligations within twelve months.

Fair Value

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. The following describes the three-level hierarchy:

Level 1 – Unadjusted quoted prices in active markets for identical assets or liabilities. Level 1 assets and liabilities include debt and equity securities and derivative contracts that are traded in an active exchange market, as well as certain U.S. Treasury securities that are highly liquid and are actively traded in over-the-counter markets

Level 2 – Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 2 assets and liabilities include fixed income securities with quoted prices that are traded less frequently than exchange-traded instruments. This category generally includes U.S. government and agency mortgage-backed fixed income securities and corporate fixed income securities

Note 2—Summary of Significant Accounting Policies (continued)

Level 3 – Unobservable inputs that are supported by little or no market activity and that are significant to the overall fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments for which the determination of fair value requires significant management judgment or estimation. The fair value for such assets and liabilities is generally determined using pricing models, market comparables, discounted cash flow methodologies or similar techniques that incorporate the assumptions a market participant would use in pricing the asset or liability. This category generally includes certain private equity investments and certain asset-backed securities

Revenue Recognition

Our operating revenues consist of card revenues and other fees, cash transfer revenues and interchange revenues. We recognize revenue when the price is fixed or determinable, persuasive evidence of an arrangement exists, the product is sold or the service is performed, and collectability of the resulting receivable is reasonably assured.

Card revenues and other fees consist of monthly maintenance fees, ATM fees, new card fees and other revenues. We charge maintenance fees on a monthly basis pursuant to the terms and conditions in the applicable cardholder agreements. We recognize monthly maintenance fees ratably over the month for which they are assessed. We charge ATM fees to cardholders when they withdraw money at certain ATMs in accordance with the terms and conditions in our cardholder agreements. We recognize ATM fees when the withdrawal is made by the cardholder, which is the same time our service is completed and the fees are assessed. We charge new card fees when a consumer purchases a new card in a retail store. We defer and recognize new card fee revenues on a straight-line basis over our average card lifetime, which is currently seven months for our GPR cards and six months for our gift cards. We determine the average card lifetime based on our recent historical data for comparable products. We measure card lifetime for our GPR cards as the period of time, inclusive of reload activity, between sale (or activation) of the card and the date of the last positive balance. We measure the card lifetime for our gift cards as the redemption period during which cardholders perform the substantial majority of their transactions. We reassess average card lifetime quarterly. We report the unearned portion of new card fees as a component of deferred revenue in our consolidated balance sheets. Other revenues consist primarily of fees associated with optional products or services, which we generally offer to consumers during the card activation process. Optional products and services include providing a second card for an account, expediting delivery of the personalized debit card that replaces the temporary card obtained at the retail store, and upgrading a cardholder account to one of our upgrade programs. We generally recognize revenue related to optional products and services when the underlying services are completed, but we treat revenues related to our upgrade programs in a manner similar to new card fees and monthly maintenance fees.

We generate cash transfer revenues when consumers purchase our cash transfer products (reload services) in a retail store. We recognize these revenues when the cash transfer transactions are completed, generally within two business days from the time of sale of these products.

We earn interchange revenues from fees remitted by the merchant’s bank, which are based on rates established by the payment networks, such as Visa and MasterCard, when cardholders make purchase transactions using our cards. We recognize interchange revenues as these transactions occur.

We report our different types of revenues on a gross or net basis based on our assessment of whether we act as a principal or an agent in the transaction. To the extent we act as a principal in the transaction, we report revenues on a gross basis. In concluding whether or not we act as a principal or an agent, we evaluate whether we have the substantial risks and rewards under the terms of the revenue-generating arrangements, whether we are the party responsible for fulfillment of the services purchased by the cardholders, and other factors. For all of our significant revenue-generating arrangements, including GPR and gift cards, we record revenues on a gross basis.

Generally, customers have limited rights to a refund of a new card fee or a cash transfer fee. We have elected to recognize revenues prior to the expiration of the refund period, but reduce revenues by the amount of expected refunds, which we estimate based on actual historical refunds.

On occasion, we enter into incentive agreements with our retail distributors and offer incentives to customers designed to increase product acceptance and sales volume. We record incentive payments, including the issuance of equity instruments, as a reduction of revenues and recognize them over the period the related revenues are recognized or as services are rendered, as applicable.

Note 2—Summary of Significant Accounting Policies (continued)

Sales and Marketing Expenses

Sales and marketing expenses primarily consist of sales commissions, advertising and marketing expenses, and the costs of manufacturing and distributing card packages, placards, and promotional materials to our retail distributors’ locations and personalized GPR cards to consumers who have activated their cards.

We pay our retail distributors and brokers commissions based on sales of our prepaid debit cards and cash transfer products in their stores. We defer and expense commissions related to new cards sales ratably over the average card lifetime, which is currently seven months for our GPR cards and six months for our gift cards. Absent a new card fee, we expense the related commissions immediately. We expense commissions related to cash transfer products when the cash transfer transactions are completed. We expense costs for the production of advertising as incurred. The cost of media advertising is expensed when the advertising first takes place. We record the costs associated with card packages and placards as prepaid expenses, and we record the costs associated with personalized GPR cards as deferred expenses. We recognize the prepaid cost of card packages and placards over the related sales period, and we amortize the deferred cost of personalized GPR cards, when activated, over the average card lifetime.

Our sales commissions, advertising and marketing expenses and manufacturing and distributing costs were as follows:



	Year Ended December 31,
	2012		2011		2010
	(In thousands)
Sales commissions	$	145,462	$	121,430	$	82,418
Advertising and marketing expenses	21,765		14,673		15,604
Manufacturing and distributing costs	42,643		32,644		24,868
Sales and marketing expenses	$	209,870	$	168,747	$	122,890

Included in our manufacturing and distributing costs were shipping and handling costs of $3.4 million, $3.4 million and $2.7 million for the years ended December 31, 2012, 2011 and 2010. Also included in our manufacturing and distributing costs were liabilities that we incurred for use tax to various states related to purchases of materials since we do not charge sales tax to customers when new cards or cash transfer transactions are purchased.

Employee Stock-Based Compensation

We record employee stock-based compensation expense using the fair value method of accounting. For stock options and stock purchases under our employee stock purchase plan, or ESPP, we base compensation expense on fair values estimated at the grant date using the Black-Scholes Merton option-pricing model. For stock awards, including restricted stock units, we base compensation expense on the fair value of our common stock at the grant date. We recognize compensation expense for awards with only service conditions that have graded vesting schedules on a straight-line basis over the vesting period of the award. Vesting is based upon continued service to our company.

Income Taxes

Our income tax expense is comprised of current and deferred income tax expense. Current income tax expense approximates taxes to be paid or refunded for the current period. Deferred income tax expense results from the changes in deferred tax assets and liabilities during the periods. These gross deferred tax assets and liabilities represent decreases or increases in taxes expected to be paid in the future because of future reversals of temporary differences between the basis of assets and liabilities as measured by tax laws and their basis as reported in our consolidated financial statements. We also recognize deferred tax assets for tax attributes such as net operating loss carryforwards and tax credit carryforwards. We record valuation allowances to reduce deferred tax assets to the amounts we conclude are more likely-than-not to be realized in the foreseeable future.

We recognize and measure income tax benefits based upon a two-step model: 1) a tax position must be more likely-than-not to be sustained based solely on its technical merits in order to be recognized, and 2) the benefit is measured as the largest dollar amount of that position that is more likely-than-not to be sustained upon settlement. The difference between the benefit recognized for a position and the tax benefit claimed on a tax return is referred to as an unrecognized tax benefit. We accrue income tax related interest and penalties, if applicable, within income tax expense.

Note 2—Summary of Significant Accounting Policies (continued)

Earnings Per Common Share

We have multiple classes of common stock and our preferred stockholders, during the periods their shares are outstanding, are entitled to participate with common stockholders in the distributions of earnings through dividends. Therefore, we apply the two-class method in calculating earnings per common share, or EPS. The two-class method requires net income, after deduction of any preferred stock dividends, deemed dividends on preferred stock redemptions, and accretions in the carrying value on preferred stock, to be allocated between each class or series of common and preferred stockholders based on their respective rights to receive dividends, whether or not declared. Basic EPS is then calculated by dividing net income allocated to each class of common stockholders by the respective weighted-average common shares issued and outstanding.

In addition, for diluted EPS, the conversion of Class B common stock can affect net income allocated to Class A common stockholders. Where the effect of this conversion is dilutive, we adjust net income allocated to Class A common stockholders by the associated allocated earnings of the convertible securities. We divide adjusted net income for each class of common stock by the respective weighted-average number of the common shares issued and outstanding for each period plus amounts representing the dilutive effect of outstanding stock options and restricted stock units and outstanding warrants, shares to be purchased under our employee stock purchase plan and the dilution resulting from the conversion of convertible securities, if applicable. We exclude the effects of convertible securities and outstanding warrants and stock options from the computation of diluted EPS in periods in which the effect would be anti-dilutive. We calculate dilutive potential common shares using the treasury stock method, if-converted method and the two-class method, as applicable.

Regulatory Matters and Capital Adequacy

We became a bank holding company on December 8, 2011. As a bank holding company, we are subject to comprehensive supervision and examination by the Federal Reserve Board and must comply with applicable regulations, including minimum capital and leverage requirements. If we fail to comply with any of these requirements, we may become subject to formal or informal enforcement actions, proceedings, or investigations, which could result in regulatory orders, restrictions on our business operations or requirements to take corrective actions, which may, individually or in the aggregate, affect our results of operations and restrict our ability to grow. If we fail to comply with the applicable capital and leverage requirements, or if our subsidiary bank fails to comply with its applicable capital and leverage requirements, the Federal Reserve Board may limit our or Green Dot Bank's ability to pay dividends. In addition, as a bank holding company and a financial holding company, we are generally prohibited from engaging, directly or indirectly, in any activities other than those permissible for bank holding companies and financial holding companies. This restriction might limit our ability to pursue future business opportunities which we might otherwise consider but which might fall outside the scope of permissible activities. We may also be required to serve as a “source of strength” to Green Dot Bank if it becomes less than adequately capitalized.

Recent Accounting Pronouncements

In June 2011, the Financial Accounting Standards Board, or FASB, issued Accounting Standards Update, or 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. In December 2011, the FASB, issued ASU 2011-12, Deferral of the Effective Date for Amendments to the Presentation of Reclassification of Items Out of Accumulated Other Comprehensive Income. ASU 2011-12 defers the requirement to present components of reclassifications out of accumulated other comprehensive income on the face of the income statement. We adopted all other components of ASU 2011-05 in the first quarter of 2012. The adoption did not have a significant impact on our consolidated financial statements. In February 2013, the FASB issued ASU 2013-02, which established the effective date for the requirement to present components of reclassifications out of accumulated other comprehensive income on the face of the income statement. Our adoption of this ASU on January 1, 2013 is not expected to have a material impact on our consolidated financial statements.

Note 2—Summary of Significant Accounting Policies (continued)

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.

In September 2011, the FASB issued ASU 2011-08, Testing Goodwill for Impairment, which provides entities testing goodwill for impairment with 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 July 2012, the FASB issued ASU 2012-02, Intangibles—Goodwill and Other, allowing an entity to perform a qualitative impairment assessment of indefinite-lived intangible assets 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 became 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

12 Months Ended

Dec. 31, 2012

Investment Securities [Abstract]

Investment Securities

Note 3 — Investment Securities

Our available-for-sale investment securities were as follows:



	Amortized cost		Gross unrealized gains		Gross unrealized losses			Fair value
December 31, 2012	(In thousands)
Corporate bonds	$	37,320	$	39	$	(2	)	$	37,357
Commercial paper	55,733		17		(2		)	55,748
Negotiable certificate of deposit	4,400		14		—			4,414
U.S. treasury notes	22,258		9		—			22,267
Agency securities	25,845		23		(1		)	25,867
Municipal bonds	11,528		43		(3		)	11,568
Asset-backed securities	26,533		33		—			26,566
Total fixed income securities	$	183,617	$	178	$	(8	)	$	183,787

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

Note 3 — Investment Securities (continued)

As of December 31, 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
December 31, 2012	(In thousands)
Fixed income securities
Corporate bonds	$	6,138	$	(2	)	$	—	$	—	$	6,138	$	(2	)
Commercial paper	6,390		(2		)	—		—		6,390		(2		)
Agency securities	6,302		(1		)	—		—		6,302		(1		)
Municipal bonds	1,602		(3		)	—		—		1,602		(3		)
Total fixed income securities	$	20,432	$	(8	)	$	—	$	—	$	20,432	$	(8	)

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 years ended December 31, 2012 or 2011 on our available-for-sale investment securities. We do not intend to sell these investments or we have determined that 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.

As of December 31, 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	$	115,195	$	115,244
Due after one year through five years	40,456		40,516
Due after five years through ten years	1,433		1,461
Due after ten years	—		—
Asset-backed securities	26,533		26,566
Total fixed income securities	$	183,617	$	183,787

Accounts Receivable

12 Months Ended

Dec. 31, 2012

Accounts Receivable, Net, Current [Abstract]

Accounts Receivable

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
December 31, 2012	(In thousands)
Real estate	$	88		$	—		$	—		$	88		$	3,139		$	106		$	3,333
Commercial	—			—			—			—			1,079			5			1,084
Installment	1			1			—			2			2,976			157			3,135
Total loans	$	89		$	1		$	—		$	90		$	7,194		$	268		$	7,552

Percentage of outstanding	1.18		%	0.01		%	—		%	1.19		%	95.26		%	3.55		%	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 for further information on the criteria for classification as nonperforming.



	December 31,
	2012		2011
	(In thousands)
Real estate	$	8	$	—
Commercial	244		—
Installment	135		—
Total loans	$	387	$	—

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.

Note 5—Loans to Bank Customers (continued)

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



	December 31, 2012				December 31, 2011
	Non-Classified		Classified		Non-Classified		Classified
	(In thousands)
Real estate	$	3,219	$	114	$	5,125	$	361
Commercial	835		249		1,407		10
Installment	2,843		292		2,982		151
Total loans	$	6,897	$	655	$	9,514	$	522

Purchased Credit-Impaired Loans

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



	December 31,
	2012		2011
	(In thousands)
Unpaid principal balance	$	729	$	1,506
Carrying value excluding allowance for loan losses	350		799

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



	Year Ended December 31, 2012			Period Ended
	Year Ended December 31, 2012			December 31, 2011
	(In thousands)
Accretable yield at beginning of period	$	99		$	—
Additions	—			99
Accretion	(34		)	—
Adjustments	62			—
Accretable yield at end of period	$	127		$	99

Impaired Loans and Troubled Debt Restructurings

The table below presents key information about our impaired loans at December 31, 2012. 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:



	December 31, 2012						Year Ended December 31, 2012
	Unpaid Principal Balance		Carrying Value		Related Allowance		Average Carrying Value		Interest Income Recognized
With no recorded allowance	(In thousands)
Real estate	$	—	$	—	$	—	$	—	$	—
Commercial	513		167		—		175		48
Installment	77		33		—		35		15
With an allowance recorded
Real estate	$	194	$	96	$	88	$	130	$	24
Commercial	139		102		25		73		—
Installment	326		139		37		134		58
Total
Real estate	$	194	$	96	$	88	$	130	$	24
Commercial	652		269		25		248		48
Installment	403		172		37		169		73

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 Troubled Debt Restructuring (TDR). The following table presents key information regarding loans that we modified in TDRs during the year ended December 31, 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:



	December 31, 2012
	Unpaid Principal Balance		Carrying Value
	(In thousands)
Real estate	$	194	$	96
Commercial	280		136
Installment	403		173

Allowance for Loan Losses

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



	Year Ended December 31,
	2012			2011
	(In thousands)
Allowance for loan losses, beginning of period	$	—		$	—
Provision for loans	698			—
Loans charged off	(223		)	—
Allowance for loan losses, end of period	$	475		$	—

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



	December 31, 2012
Collectively evaluated for impairment	(In thousands)
Allowance for loan losses	$	243
Carrying value, gross of allowance	7,140
Impaired loans and troubled debt restructurings¹
Allowance for loan losses	$	150
Carrying value, gross of allowance	537
Purchased credit-impaired loans
Allowance for loan losses	$	82
Carrying value, gross of allowance	350
Total
Allowance for loan losses	$	475
Carrying value, gross of allowance	8,027

¹ Represents loans individually evaluated for impairment

- Definition

The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses.

+ References

Reference 1: 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=7512638&loc=d3e5066-111524

Reference 2: 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 3: 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=7512638&loc=d3e5162-111524

Reference 4: 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 5: 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=7512638&loc=d3e5074-111524

Reference 6: 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 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 3, 4
-Article 5

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 7
-Article 9

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph k
-Article 4

+ Details

Loans to Bank Customers

12 Months Ended

Dec. 31, 2012

Loans and Leases Receivable Disclosure [Abstract]

Loans to Bank Customers

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
December 31, 2012	(In thousands)
Real estate	$	88		$	—		$	—		$	88		$	3,139		$	106		$	3,333
Commercial	—			—			—			—			1,079			5			1,084
Installment	1			1			—			2			2,976			157			3,135
Total loans	$	89		$	1		$	—		$	90		$	7,194		$	268		$	7,552

Percentage of outstanding	1.18		%	0.01		%	—		%	1.19		%	95.26		%	3.55		%	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



	December 31,
	2012		2011
	(In thousands)
Real estate	$	8	$	—
Commercial	244		—
Installment	135		—
Total loans	$	387	$	—

Credit Quality Indicators

Note 5—Loans to Bank Customers (continued)

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



	December 31, 2012				December 31, 2011
	Non-Classified		Classified		Non-Classified		Classified
	(In thousands)
Real estate	$	3,219	$	114	$	5,125	$	361
Commercial	835		249		1,407		10
Installment	2,843		292		2,982		151
Total loans	$	6,897	$	655	$	9,514	$	522

Purchased Credit-Impaired Loans

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



	December 31,
	2012		2011
	(In thousands)
Unpaid principal balance	$	729	$	1,506
Carrying value excluding allowance for loan losses	350		799

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



	Year Ended December 31, 2012			Period Ended
	Year Ended December 31, 2012			December 31, 2011
	(In thousands)
Accretable yield at beginning of period	$	99		$	—
Additions	—			99
Accretion	(34		)	—
Adjustments	62			—
Accretable yield at end of period	$	127		$	99

Impaired Loans and Troubled Debt Restructurings



	December 31, 2012						Year Ended December 31, 2012
	Unpaid Principal Balance		Carrying Value		Related Allowance		Average Carrying Value		Interest Income Recognized
With no recorded allowance	(In thousands)
Real estate	$	—	$	—	$	—	$	—	$	—
Commercial	513		167		—		175		48
Installment	77		33		—		35		15
With an allowance recorded
Real estate	$	194	$	96	$	88	$	130	$	24
Commercial	139		102		25		73		—
Installment	326		139		37		134		58
Total
Real estate	$	194	$	96	$	88	$	130	$	24
Commercial	652		269		25		248		48
Installment	403		172		37		169		73

Note 5—Loans to Bank Customers (continued)



	December 31, 2012
	Unpaid Principal Balance		Carrying Value
	(In thousands)
Real estate	$	194	$	96
Commercial	280		136
Installment	403		173

Allowance for Loan Losses

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



	Year Ended December 31,
	2012			2011
	(In thousands)
Allowance for loan losses, beginning of period	$	—		$	—
Provision for loans	698			—
Loans charged off	(223		)	—
Allowance for loan losses, end of period	$	475		$	—

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



	December 31, 2012
Collectively evaluated for impairment	(In thousands)
Allowance for loan losses	$	243
Carrying value, gross of allowance	7,140
Impaired loans and troubled debt restructurings¹
Allowance for loan losses	$	150
Carrying value, gross of allowance	537
Purchased credit-impaired loans
Allowance for loan losses	$	82
Carrying value, gross of allowance	350
Total
Allowance for loan losses	$	475
Carrying value, gross of allowance	8,027

¹ Represents loans individually evaluated for impairment

- Definition

+ References

+ Details

Property & Equipment

12 Months Ended

Dec. 31, 2012

Property & Equipment [Abstract]

Property and Equipment

Note 6—Property and Equipment

Property and equipment consisted of the following:



	December 31,
	2012			2011
	(In thousands)
Land	$	205		$	205
Building	543			568
Computer equipment, furniture, and office equipment	23,690			17,119
Computer software purchased	10,914			6,284
Capitalized internal-use software	52,501			29,673
Tenant improvements	7,076			2,182
	94,929			56,031
Less accumulated depreciation and amortization	(36,553		)	(28,750		)
Property and equipment, net	$	58,376		$	27,281

Depreciation and amortization expense was $18.1 million, $12.3 million and $7.6 million for the years ended December 31, 2012, 2011 and 2010, respectively. Included in those amounts are depreciation expense related to internal-use software of $9.7 million, $6.0 million and $3.8 million for the years ended December 31, 2012, 2011 and 2010, respectively. The net carrying value of capitalized internal-use software was $30.3 million, and $14.6 million at December 31, 2012 and 2011, respectively.

- Definition

The entire disclosure for long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale. Examples include land, buildings, machinery and equipment, and other types of furniture and equipment including, but not limited to, office equipment, furniture and fixtures, and computer equipment and software. This disclosure may include property plant and equipment accounting policies and methodology, a schedule of property, plant and equipment gross, additions, deletions, transfers and other changes, depreciation, depletion and amortization expense, net, accumulated depreciation, depletion and amortization expense and useful lives, income statement disclosures, assets held for sale and public utility disclosures.

+ References + Details

Goodwill and Intangible Assets

12 Months Ended

Dec. 31, 2012

Goodwill and Intangible Assets Disclosure [Abstract]

Goodwill and Intangible Assets

Note 7—Goodwill and Intangible Assets

Goodwill and intangible assets on our consolidated balance sheets consisted of the following:



	December 31,
	2012		2011
	(In thousands)
Goodwill	$	27,250	$	10,817
Intangible assets, net	3,554		684
Goodwill and intangible assets	30,804		11,501

Goodwill

Changes in the carrying amount of goodwill were as follows:



	December 31,
	2012		2011
	(In thousands)
Balance, beginning of period	$	10,817	$	—
Acquisitions	16,350		10,817
Other changes	83		—
Balance, end of period	$	27,250	$	10,817

In March 2012, we acquired Loopt, which resulted in $16.4 million of goodwill, which is not deductible for tax purposes, and $3.6 million of indefinite-lived intangibles related to patents.

During the three months ended December 31, 2012, we completed our annual goodwill impairment test as of September 30, 2012 for all reporting units. Based on the results of step one of the annual goodwill impairment test, we determined that step two was not required for any of the reporting units as their fair value exceeded their carrying value indicating there was no impairment.

Note 7—Goodwill and Intangible Assets (continued)

Intangible Assets

The gross carrying amounts and accumulated amortization related to intangibles assets were as follows:



	December 31, 2012					December 31, 2011
	Gross Carrying Value		Accumulated Amortization			Gross Carrying Value		Accumulated Amortization
	(In thousands)					(In thousands)
Finite-lived intangibles	$	926	$	(372	)	$	926	$	(242	)
Indefinite-lived intangibles	3,000		N/A			—		N/A
Total intangible assets	$	3,926	$	(372	)	$	926	$	(242	)

Amortization expense, a component of other general and administrative expenses, on finite-lived intangibles was $130,000 and $100,000 for the years ended December 31, 2012 and December 31, 2011, respectively. None of the intangible assets were impaired as of December 31, 2012 or 2011.

- 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

Deposits

12 Months Ended

Dec. 31, 2012

Deposits [Abstract]

Deposits



	December 31,
	2012		2011
Non-interest bearing deposit accounts	(In thousands)
GPR deposits	$	165,739	$	51
Other demand deposits	16,138		19,095
Total non-interest bearing deposit accounts	181,877		19,146
Interest-bearing deposit accounts
Negotiable order of withdrawal (NOW)	1,860		1,612
Savings	5,986		7,118
Time deposits, denominations greater than or equal to $100	6,417		1,381
Time deposits, denominations less than $100	2,311		9,700
Total interest-bearing deposit accounts	16,574		19,811
Total deposits	$	198,451	$	38,957

The scheduled contractual maturities for total time deposits are presented in the table below:



	December 31, 2012
	(In thousands)
Due in 2013	$	4,592
Due in 2014	783
Due in 2015	1,687
Due in 2016	982
Due in 2017	684
Thereafter	—
Total time deposits	$	8,728

- Definition

The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.

+ References + Details

Stockholders' Equity

12 Months Ended

Dec. 31, 2012

Stockholders' Equity Attributable to Parent [Abstract]

Stockholders' Equity

Note 9—Stockholders’ Equity

Convertible Preferred Stock

In December 2011, we filed a restated Certificate of Incorporation that authorized 10,085 shares of Series A Convertible Junior Participating Non-Cumulative Perpetual Preferred Stock, or Series A Preferred Stock. We then entered into and completed a share exchange with a significant shareholder, whereby 6,859,000 shares of our Class B common stock were exchanged for 6,859 shares of our newly created series of preferred stock. Our Certificate of Incorporation specified the following rights, preferences, and privileges for our Series A preferred stockholders.

Note 9—Stockholders’ Equity (continued)

Voting

Series A Preferred Stock is non-voting, subject to limited exceptions.

Dividends

Holders of shares of the Series A Preferred Stock are entitled to receive ratable dividends (on an as-converted basis, taking into account the conversion rate applicable to the Series A Preferred Stock at the time) only as, if and when any dividends are paid in respect of our Class A Common Stock.

Liquidation

In the event of any liquidation, dissolution or winding-up of the affairs of our company (excluding a Reorganization Event (defined below)), of the assets of our company or the proceeds thereof legally available for distribution to our stockholders are distributable ratably among the holders of our Class A Common Stock, Class B Common Stock and any Series A Preferred Stock outstanding at that time after payment to the holders of shares of our Series A Preferred Stock of an amount per share equal to (i) $0.01 plus (ii) any dividends on our Series A Preferred Stock that have been declared but not paid prior to the date of payment of such distribution.

In connection with any merger, sale of all or substantially all of the assets or other reorganization involving our company (a “Reorganization Event”) and in which our Class A Common Stock is converted into or exchanged for cash, securities or other consideration, holders of shares of our Series A Preferred Stock will be entitled to receive ratable amounts (on an as-converted basis, taking into account the conversion rate applicable to Series A Preferred Stock at the time) of the same consideration as is payable to holders of our Class A Common Stock pursuant to a Reorganization Event.

Conversion

Our Series A Preferred Stock is not convertible into any other security except that it converts into Class A Common Stock if it is transferred by a holder (i) in a widespread public distribution, (ii) in a private sale or transfer in which the transferee acquires no more than 2% of any class of voting shares of our company, (iii) to a transferee that owns or controls more than 50% of the voting shares of our company without regard to any transfer from the transferring shareholder or (iv) to our company. Each share of Series A Preferred Stock so transferred will automatically convert into 1,000 shares (subject to appropriate adjustment for any stock split, reverse stock split, stock dividend, recapitalization or other similar event) of our Class A Common Stock.

Common Stock

Our Certificate of Incorporation specifies the following rights, preferences, and privileges for our common stockholders.

Voting

Holders of our Class A common stock are entitled to one vote per share and holders of our Class B common stock are entitled to ten votes per share. In general, holders of our Class A common stock and Class B common stock will vote together as a single class on all matters (including the election of directors) submitted to a vote of stockholders, unless otherwise required by law. Delaware law could require either our Class A common stock or our Class B common stock to vote separately as a single class in the following circumstances:


•	If we were to seek to amend our Certificate of Incorporation to increase the authorized number of shares of a class of stock, or to increase or decrease the par value of a class of stock, then that class would be required to vote separately to approve the proposed amendment; and


•	If we were to seek to amend our Certificate of Incorporation in a manner that altered or changed the powers, preferences or special rights of a class of stock in a manner that affected its holders adversely, then that class would be required to vote separately to approve the proposed amendment.

Our Certificate of Incorporation requires the separate vote and majority approval of each class of our common stock prior to distributions, reclassifications and mergers or consolidations that would result in one class of common stock being treated in a manner different from the other, subject to limited exceptions, and amendments of our Certificate of Incorporation that would affect our dual class stock structure.

Note 9—Stockholders’ Equity (continued)

We have not provided for cumulative voting for the election of directors in our restated Certificate of Incorporation. In addition, our Certificate of Incorporation provides that a holder, or group of affiliated holders, of more than 24.9% of our common stock may not vote shares representing more than 14.9% of the voting power represented by the outstanding shares of our Class A and Class B common stock.

Dividends

Subject to preferences that may apply to any shares of preferred stock outstanding at the time, the holders of outstanding shares of our Class A and Class B common stock are entitled to receive dividends out of funds legally available at the times and in the amounts that our board of directors may determine. In the event a dividend is paid in the form of shares of common stock or rights to acquire shares of common stock, the holders of Class A common stock will receive Class A common stock, or rights to acquire Class A common stock, as the case may be, and the holders of Class B common stock will receive Class B common stock, or rights to acquire Class B common stock, as the case may be. However, in general and subject to certain limited exceptions, without approval of each class of our common stock, we may not pay any dividends or make other distributions with respect to any class of common stock unless at the same time we make a ratable dividend or distribution with respect to each outstanding share of common stock, regardless of class.

Liquidation

Upon our liquidation, dissolution or winding-up, the assets legally available for distribution to our stockholders would be distributable ratably among the holders of our Class A and Class B common stock and any participating preferred stock outstanding at that time after payment of liquidation preferences, if any, on any outstanding shares of our preferred stock and payment of other claims of creditors.

Preemptive or Similar Rights

Neither our Class A nor our Class B common stock is entitled to preemptive rights, and neither is subject to redemption.

Conversion

Our Class A common stock is not convertible into any other shares of our capital stock. Each share of our Class B common stock is convertible at any time at the option of the holder into one share of our Class A common stock. In addition, each share of our Class B common stock will convert automatically into one share of our Class A common stock upon any transfer, whether or not for value, except for estate planning, intercompany and other similar transfers or upon the date that the total number of shares of our Class B common stock outstanding represents less than 10% of the total number of shares of our Class A and Class B common stock outstanding. Once transferred and converted into Class A common stock, the Class B common stock may not be reissued. No class of our common stock may be subdivided or combined unless the other class of our common stock concurrently is subdivided or combined in the same proportion and in the same manner.

Non-Employee Stock-Based Payments

Shares Subject to Repurchase

In May 2010, we amended our commercial agreement with Walmart, our largest retail distributor, and GE Money Bank. The amendment modifies the terms of our agreement related to our co-branded GPR MoneyCard, which significantly increased the sales commission rates we pay to Walmart for our products sold in their stores. The new agreement commenced on May 1, 2010 with a five-year term. As an incentive to amend our prepaid card program agreement, we issued Walmart 2,208,552 shares of our Class A common stock. These shares are subject to our right to repurchase them at $0.01 per share upon termination of our agreement with Walmart other than a termination arising out of our knowing, intentional and material breach of the agreement. Our right to repurchase the shares lapses with respect to 36,810 shares per month over the sixty months term of the agreement. The repurchase right will expire as to all shares of Class A common stock that remain subject to the repurchase right if we experience a “prohibited change of control,” as defined in the agreement, if we experience a “change of control,” as defined in the stock issuance agreement, or under certain other limited circumstances, which we currently believe are remote. As of December 31, 2012, 1,030,632 shares of Class A common stock issued to Walmart were subject to our repurchase right.

Note 9—Stockholders’ Equity (continued)

Warrant

On March 3, 2009, we entered into a sales and marketing agreement with a third party that contained a contingent warrant feature. The warrant provides the third party with an option to purchase 3,426,765 shares of our common stock at a per share price of $23.70 if certain sales volume or revenue targets are achieved. A further 856,691 shares become eligible for purchase under the warrant should either of these targets be achieved and additional specified marketing and promotional activities take place.

The shares become eligible for purchase under the warrant at any time the targets are achieved prior to the earlier of March 3, 2014 or the termination of the sales and marketing agreement. Once eligible for purchase, the purchase option expires on the earliest of: (1) the date at which the sales and marketing agreement with the third party is terminated; (2) the date of a change of control transaction of our company; or (3) March 3, 2017.

The warrant is redeemable for cash by the holder if we fail to perform in accordance with the customary contractual terms of the sales and marketing agreement. Should the third party fail to perform in accordance with the terms of the sales and marketing agreement, we obtain an option to repurchase any shares previously issued under the warrant.

As the option to purchase shares under the warrant is contingent upon the achievement of certain sales volume or revenue targets, there is a possibility that no shares will become eligible for purchase. Based on different possible outcomes, we developed a range of fair values for the warrant, and we measured the warrant at its current lowest aggregate fair value within that range. As none of the performance conditions have been met, the lowest aggregate fair value is zero. Accordingly, we have not assigned any value to the warrant in our consolidated financial statements as of December 31, 2012 or 2011.

Follow-on Offering

On December 13, 2010, we completed a follow-on offering of 4,269,051 shares of our Class A common stock at an offering price of $61.00 per share, all of which were sold by existing stockholders. We did not receive any proceeds from the sale of shares of our Class A common stock on the follow-on offering. Concurrent with the completion of the follow-on offering, certain selling stockholders exercised vested options to purchase 936,301 shares of Class B common stock with a weighted-average exercise price of $4.32 in order to sell the underlying shares of Class A common stock in the follow-on offering. We received aggregate proceeds of $4.0 million from these exercises.

Registration Rights Agreement

We are a party to a registration rights agreement with certain of our investors, pursuant to which we have granted those persons or entities the right to register shares of common stock held by them under the Securities Act of 1933, as amended, or the Securities Act. Holders of these rights are entitled to demand that we register their shares of common stock under the Securities Act so long as certain conditions are satisfied and require us to include their shares of common stock in future registration statements that may be filed, either for our own account or for the account of other security holders exercising registration rights. In addition, after an initial public offering, these holders have the right to request that their shares of common stock be registered on a Form S-3 registration statement so long as certain conditions are satisfied and the anticipated aggregate sales price of the registered shares as of the date of filing of the Form S-3 registration statement is at least $1 million. The foregoing registration rights are subject to various conditions and limitations, including the right of underwriters of an offering to limit the number of registrable securities that may be included in an offering. The registration rights terminate as to any particular shares on the date on which the holder sells such shares to the public in a registered offering or pursuant to Rule 144 under the Securities Act. We are generally required to bear all of the expenses of these registrations, except underwriting commissions, selling discounts and transfer taxes.

We are not obligated under the registration rights agreement to transfer consideration, whether in cash, equity instruments, or adjustments to the terms of the financial instruments that are subject to the registration payment arrangement, to the investors, if the registration statement is not declared effective within the specified time or if effectiveness of the registration statement is not maintained.

Comprehensive Income

The tax impact on unrealized gains on investment securities available-for-sale for the years ended December 31, 2012 and December 31, 2011 was approximately $46,000 and $18,000, respectively.

- Definition

The entire disclosure for shareholders' equity, comprised of portions attributable to the parent entity and noncontrolling interest, if any, including other comprehensive income (as applicable). Including, but not limited to: (1) balances of common stock, preferred stock, additional paid-in capital, other capital and retained earnings; (2) accumulated balance for each classification of other comprehensive income and total amount of comprehensive income; (3) amount and nature of changes in separate accounts, including the number of shares authorized and outstanding, number of shares issued upon exercise and conversion, and for other comprehensive income, the adjustments for reclassifications to net income; (4) rights and privileges of each class of stock authorized; (5) basis of treasury stock, if other than cost, and amounts paid and accounting treatment for treasury stock purchased significantly in excess of market; (6) dividends paid or payable per share and in the aggregate for each class of stock for each period presented; (7) dividend restrictions and accumulated preferred dividends in arrears (in aggregate and per share amount); (8) retained earnings appropriations or restrictions, such as dividend restrictions; (9) impact of change in accounting principle, initial adoption of new accounting principle and correction of an error in previously issued financial statements; (10) shares held in trust for Employee Stock Ownership Plan (ESOP); (11) deferred compensation related to issuance of capital stock; (12) note received for issuance of stock; (13) unamortized discount on shares; (14) description, terms, and number of warrants or rights outstanding; (15) shares under subscription and subscription receivables, effective date of new retained earnings after quasi-reorganization and deficit eliminated by quasi-reorganization and, for a period of at least ten years after the effective date, the point in time from which the new retained dates; and (16) retroactive effective of subsequent change in capital structure.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
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Reference 14: http://www.xbrl.org/2003/role/presentationRef
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-Name Accounting Research Bulletin (ARB)
-Number 43
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-Chapter 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 15: http://www.xbrl.org/2003/role/presentationRef
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Reference 23: http://www.xbrl.org/2003/role/presentationRef
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-Name Regulation S-X (SX)
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+ Details

Employee Stock-Based Compensation

12 Months Ended

Dec. 31, 2012

Share-based Compensation [Abstract]

Employee Stock-Based Compensation

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



	Year Ended December 31,
	2012		2011		2010
	(In thousands, except per share data)
Stock options granted	2,247		889		349
Weighted-average exercise price	$	19.35	$	38.70	$	32.38
Weighted-average grant-date fair value	$	8.92	$	18.62	$	15.66

Restricted stock units granted	613		111		—
Weighted-average grant-date fair value	$	14.14	$	33.46	$	—

Note 10—Employee Stock-Based Compensation (continued)

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



	Year Ended December 31,
	2012		2011		2010
Risk-free interest rate	0.97	%	2.06	%	2.18	%
Expected term (life) of options (in years)	6.07		6.06		5.92
Expected dividends	—		—		—
Expected volatility	47.51	%	48.32	%	49.41	%

Determining the fair value of stock-based awards at their respective grant dates requires considerable judgment, including estimating expected volatility and expected term (life). We based our expected volatility on the historical volatility of comparable public companies over the option’s expected term. We calculated our expected term based on the simplified method, which is the mid-point between the weighted-average graded-vesting term and the contractual term. The simplified method was chosen as a means to determine expected term as we have limited historical option exercise experience as a public company. We derived the risk-free rate from the average yield for the five-and seven-year zero-coupon U.S. Treasury Strips. We estimate forfeitures at the grant date based on our historical forfeiture rate and revise the estimate, if necessary, in subsequent periods if actual forfeitures differ from those estimates.

Stock option activity for the year ended December 31, 2012 was as follows:



	Options		Weighted-Average Exercise Price		Weighted-Average Remaining Contractual Life (in Years)	Aggregate Intrinsic Value
	(In thousands, except per share data and years)
Outstanding at December 31, 2011	4,756		$	15.79
Options granted	2,247		19.35
Options exercised	(412	)	4.93
Options canceled	(874	)	30.51
Outstanding at December 31, 2012	5,717		$	15.72	6.26	$	15,873
Vested or expected to vest at December 31, 2012	5,570		$	15.62	6.17	$	15,841
Exercisable at December 31, 2012	3,328		$	12.03	4.18	$	15,583

The total intrinsic value of options exercised was $8.5 million, $4.4 million and $76.8 million for the years ended December 31, 2012, 2011 and 2010, respectively.

Restricted stock unit activity for the year ended December 31, 2012 was as follows:



	Shares		Weighted-Average Grant-Date Fair Value
	(In thousands)
Outstanding at December 31, 2011	110		$	33.46
Restricted stock units granted	613		$	14.14
Restricted stock units canceled	(27	)	$	33.58
Restricted stock units vested	(80	)	$	26.60
Outstanding at December 31, 2012	616		$	15.10

The total fair value of shares vested for the year ended December 31, 2012 was $0.4 million based on the price of our Class A common stock on the vesting date. No restricted stock units vested prior to 2012.

At December 31, 2012, there was $19.0 million and $7.4 million of aggregate unrecognized compensation cost related to unvested stock options and restricted stock units, respectively, expected to be recognized in compensation expense in future periods, with a weighted-average period of 2.9 years and 3.0 years, respectively. Approximately 1.3 million shares are available for grant under the 2010 Equity Incentive Plan as of December 31, 2012.

Note 10—Employee Stock-Based Compensation (continued)

Stock-Based Retailer Incentive Compensation

As discussed in Note 9 — Stockholders’ Equity, we issued Walmart 2,208,552 shares of our Class A common stock. We recognize the fair value of 36,810 shares each month over the 60-month term of the commercial agreement. An early expiration of our right to repurchase as described above would, however, result in the recognition of the fair value of all the shares still subject to repurchase on the date of the expiration. We currently assess an early expiration of our repurchase right to be remote. We record the fair value recognized as stock-based retailer incentive compensation, a contra-revenue component of our total operating revenues. We recognize monthly the fair value of the shares for which our right to repurchase has lapsed using the then-current fair market value of our Class A common stock. We recognized $8.3 million, $17.3 million and $13.4 million of stock-based retailer incentive compensation for the years ended December 31, 2012, 2011, and 2010, respectively.

- 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 Accounting Standards Codification
-Topic 505
-SubTopic 50
-Section 50
-Paragraph 1
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-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 14

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 123R
-Paragraph 64, 65, A240
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Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Statement of Position (SOP)
-Number 93-6
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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.

+ Details

Income Taxes

12 Months Ended

Dec. 31, 2012

Income Tax Disclosure [Abstract]

Income Taxes

Note 11—Income Taxes

The components of income tax expense included in our consolidated statements of operations were as follows:



	Year Ended December 31,
	2012			2011		2010
	(In thousands)
Current:
Federal	$	21,322		$	29,583	$	26,638
State	1,805			2,096		1,466
Current income tax expense	23,127			31,679		28,104
Deferred:
Federal	5,931			251		(579		)
State	(139		)	—		(125		)
Deferred income tax expense (benefit)	5,792			251		(704		)
Income tax expense	$	28,919		$	31,930	$	27,400

Income tax expense for the years ended December 31, 2012, 2011, and 2010 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 is shown in the following:



	Year Ended December 31,
	2012		2011		2010
U.S. federal statutory tax rate	35.0	%	35.0	%	35.0	%
State income taxes, net of federal benefit	1.9		1.6		3.8
Change in State Apportionment Method	—		—		(4.6	)
Non-deductible offering costs	—		—		2.4
Employee stock-based compensation	1.4		1.2		0.7
Other	(0.1	)	0.2		2.0
Effective tax rate	38.2	%	38.0	%	39.3	%

The effective tax rates for the periods above differ from the expected federal statutory tax rate of 35% primarily due to state income taxes, net of the federal tax benefit. Certain enacted tax law changes, which became effective January 1, 2011, reduced the income we apportion to California from the comparable period in 2010, resulting in a lower effective state tax rate in 2011. The year ended December 31, 2010 was impacted in large part by two discrete items. The California Franchise Tax Board, or FTB, approved our petition to retroactively apply an alternative apportionment method to our income tax returns filed for the five months ended December 31, 2009 and the year ended July 31, 2009. We recognized this benefit in the year ended December 31, 2010. This tax benefit was partially offset by non-deductible expenses related to our initial public offering recognized in the year ended December 31, 2010. Excluding the impact of these discrete items, our effective tax rate in 2010 would have been 41.5%.

Note 11—Income Taxes (continued)

The tax effects of temporary differences that give rise to significant portions of our deferred tax assets and liabilities were as follows:



	December 31,
	2012			2011
	(In thousands)
Deferred tax assets:
Net operating loss carryforwards	$	13,655		$	120
Stock-based compensation	7,057			4,236
Reserve for overdrawn accounts	6,130			5,726
Accrued liabilities	3,191			717
Purchase accounting adjustments	494			1,276
Other	778			697
Gross deferred tax assets	31,305			12,772
Valuation allowance	(1,262		)	—
Total deferred tax assets, net of valuation allowance	30,043			12,772

Deferred tax liabilities:
Internal-use software costs	9,986			3,669
Property and equipment, net	6,013			3,022
Deferred expenses	4,013			3,987
Intangible assets	1,386			103
Deferred revenue	1,063			78
Other	475			—
Total deferred tax liabilities	22,936			10,859

Net deferred tax assets	$	7,107		$	1,913

Total net deferred tax assets and liabilities are included in our consolidated balance sheets as follows:



	December 31,
	2012		2011
	(In thousands)
Current net deferred tax assets	$	2,478	$	6,664
Noncurrent net deferred tax assets	4,629		—
Noncurrent deferred tax liabilities	—		4,751
Net deferred tax assets	$	7,107	$	1,913

We establish a valuation allowance when we consider it more likely-than-not that some portion or all of the deferred tax assets will not be realized. The valuation allowance as of December 31, 2012 is associated with net operating loss carryforwards we acquired in our acquisition of Loopt. We established a valuation allowance for the carryforwards at acquisition because we believe it is more-likely-than-not that a portion of these carryforwards will not be realized. Future changes in the valuation allowance associated with these deferred tax assets will be recognized as a reduction or increase to income tax expense. As of December 31, 2011, we did not establish a valuation allowance on any of our deferred tax assets as we believed it was more-likely-than-not that we would realize the benefits of our deferred tax assets.

Note 11—Income Taxes (continued)

The deferred tax assets and related valuation allowances recognized for the net operating loss and tax credit carryforwards were as follows:



	December 31, 2012
	Deferred Tax Asset		Valuation Allowance			Net Deferred Tax Asset		First Year Expiring
	(In thousands)
Net operating losses	$	13,655	$	(956	)	$	12,699	After 2024
General business credits	306		(306		)	—		After 2024

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. The reconciliation of the beginning unrecognized tax benefits balance to the ending balance is as follows:



	Year Ended December 31,
	2012		2011		2010
	(In thousands)
Beginning balance	$	—	$	—	$	—
Increases related to positions taken during prior years	970		—		—
Increases related to positions taken during the current year	511		—		—
Ending balance	$	1,481	$	—	$	—

The total amount of unrecognized tax benefits that, if recognized, would affect the effective tax rate	$	1,481	$	—	$	—

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 remain subject to examination of our federal income tax returns for the year ended December 31, 2011 and 2012. 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

+ Details

Earnings per Common Share

12 Months Ended

Dec. 31, 2012

Earnings Per Share [Abstract]

Earnings per Common Share



	Year Ended December 31,
	2012			2011			2010
	(In thousands, except per share data)
Basic earnings per Class A common share
Net income	$	47,219		$	52,083		$	42,232
Income attributable to preferred stock	(7,599		)	(558		)	(14,659		)
Income attributable to other classes of common stock	(6,719		)	(24,022		)	(24,408		)
Net income allocated to Class A common stockholders	32,901			27,503			3,165
Weighted-average Class A shares issued and outstanding	29,698			22,238			2,980
Basic earnings per Class A common share	$	1.11		$	1.24		$	1.06

Diluted earnings per Class A common share
Net income allocated to Class A common stockholders	$	32,901		$	27,503		$	3,165
Allocated earnings to participating securities, net of re-allocated earnings	6,592			23,585			24,366
Re-allocated earnings	(980		)	(1,036		)	(231		)
Diluted net income allocated to Class A common stockholders	38,513			50,052			27,300
Weighted-average Class A shares issued and outstanding	29,698			22,238			2,980
Dilutive potential common shares:
Class B common stock	6,150			19,822			24,796
Stock options	20			—			—
Restricted stock units	43			3			—
Employee stock purchase plan	22			2			6
Diluted weighted-average Class A shares issued and outstanding	35,933			42,065			27,782
Diluted earnings per Class A common share	$	1.07		$	1.19		$	0.98



	Year Ended December 31,
	2012			2011			2010
	(In thousands, except per share data)
Basic earnings per Class B common share
Net income	$	47,219		$	52,083		$	42,232
Income attributable to preferred stock	(7,599		)	(558		)	(14,659		)
Income attributable to other classes of common stock	(34,301		)	(29,613		)	(4,644		)
Net income allocated to Class B common stockholders	5,319			21,912			22,929
Weighted-average Class B shares issued and outstanding	4,801			17,718			21,589
Basic earnings per Class B common share	$	1.11		$	1.24		$	1.06

Diluted earnings per Class B common share
Net income allocated to Class B common stockholders	$	5,319		$	21,912		$	22,929
Re-allocated earnings	1,273			1,673			1,437
Diluted net income allocated to Class B common stockholders	6,592			23,585			24,366
Weighted-average Class B shares issued and outstanding	4,801			17,718			21,589
Dilutive potential common shares:
Stock options	1,349			2,104			3,061
Warrants	—			—			146
Diluted weighted-average Class B shares issued and outstanding	6,150			19,822			24,796
Diluted earnings per Class B common share	$	1.07		$	1.19		$	0.98

As of December 31, 2012, 1,030,632 shares of Class A common stock issued to Walmart were subject to our repurchase right. Basic and diluted EPS for these shares were the same as basic and diluted EPS for our Class A common stock for the years ended December 31, 2012 and 2011.

Note 12—Earnings per Common Share (continued)

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:



	Year Ended December 31,
	2012	2011	2010
Class A common stock	(In thousands)
Options to purchase Class A common stock	1,408	258	22
Restricted stock units	26	—	—
Conversion of convertible preferred stock	6,859	451	—
Total options, restricted stock units and convertible preferred stock	8,293	709	22
Class B common stock
Options to purchase Class B common stock	122	5	11
Conversion of convertible preferred stock	—	—	13,803
Total options	122	5	13,814

Fair Value Measurements

12 Months Ended

Dec. 31, 2012

Fair Value Disclosures [Abstract]

Fair Value Measurements

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



	Level 1		Level 2		Level 3		Total Fair Value
December 31, 2012	(In thousands)
Corporate bonds	$	—	$	37,357	$	—	$	37,357
Commercial paper	—		55,748		—		55,748
Negotiable certificate of deposit	—		4,414		—		4,414
U.S. treasury notes	—		22,267		—		22,267
Agency securities	—		25,867		—		25,867
Municipal bonds	—		11,568		—		11,568
Asset-backed securities	—		26,566		—		26,566
Total	$	—	$	183,787	$	—	$	183,787

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

We based the fair value of our fixed income securities held as of December 31, 2012 and 2011 on quoted prices in active markets for similar assets. We had no transfers between Level 1, Level 2 or Level 3 assets during the years ended December 31, 2012 and 2011.

- 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 Accounting Standards Codification
-Topic 820
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=7578670&loc=d3e19207-110258

Reference 2: http://www.xbrl.org/2003/role/presentationRef
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-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 30
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Reference 3: http://www.xbrl.org/2003/role/presentationRef
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-Name Accounting Standards Codification
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-SubTopic 10
-Section 50
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-URI http://asc.fasb.org/extlink&oid=7491637&loc=d3e13537-108611

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-Name Accounting Standards Codification
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-Paragraph 10
-URI http://asc.fasb.org/extlink&oid=7491637&loc=d3e13433-108611

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-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 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
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-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 9: 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 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 15A
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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 11: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
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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 12: 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 13: 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.

+ Details

Fair Value of Financial Instruments

12 Months Ended

Dec. 31, 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, settlement assets and obligations, and obligations to customers. 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.

Note 14—Fair Value of Financial Instruments (continued)

Investment Securities

The fair values of investment securities have been derived using methodologies referenced in Note 2 – Significant Accounting Policies. 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.

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 December 31, 2012 and December 31, 2011 are presented in the table below.



	December 31, 2012				December 31, 2011
	Carrying Value		Fair Value		Carrying Value		Fair Value
Financial Assets	(In thousands)
Loans to bank customers	$	7,552	$	5,719	$	10,036	$	10,036

Financial Liabilities
Deposits	$	198,451	$	198,369	$	38,957	$	38,957

Borrowing Agreements Level 1 (Notes)

12 Months Ended

Dec. 31, 2012

Borrowing Agreements [Abstract]

Borrowing Agreements

Note 15—Borrowing Agreements

In connection with the transition of all outstanding customer deposits associated with our card issuing program with Synovus Bank to our subsidiary bank, our line of credit with Columbus Bank and Trust Company was terminated. Prior to the termination, we used the line of credit to fund timing differences between funds remitted by our retail distributors to the banks that issue our cards and funds utilized by our cardholders. For the periods presented below, our line of credit had the following terms:



	Line of Credit		Interest Rate	Cash Collateral Requirements
	(In millions, except interest rates)
March 2012 - November 2012	$	10.0	LIBOR + 2.00%	$	10.0
March 2011 - March 2012	$	10.0	LIBOR + 2.00%	$	10.0

We present our cash collateral requirements on our consolidated balance sheets as restricted cash. There were no outstanding borrowings at December 31, 2012.

- Definition

The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.

+ References + Details

Concentrations of Credit Risk

12 Months Ended

Dec. 31, 2012

Concentrations of Credit Risk [Abstract]

Concentration of Credit Risk

Note 16—Concentrations of Credit Risk

Financial instruments that subject us to concentration of credit risk consist primarily of unrestricted cash and cash equivalents, restricted cash, investment securities, accounts receivable, loans and settlement assets. We deposit our unrestricted cash and cash equivalents and our restricted cash with regional and national banking institutions that we periodically monitor and evaluate for creditworthiness. Credit risk for our investment securities is mitigated by the types of investment securities in our portfolio, which must comply with strict investment guidelines that we believe appropriately ensures the preservation of invested capital. Credit risk for our accounts receivable is concentrated with card issuing banks and our customers, and this risk is mitigated by the relatively short collection period and our large customer base. We do not require or maintain collateral for accounts receivable. We maintain reserves for uncollectible overdrawn accounts and uncollectible trade receivables. Approximately 92.5% of our borrowers reside in the state of Utah and approximately 39.4% in the city of Provo. Consequently, we are susceptible to any adverse market or environmental conditions that may impact this specific geographic region. Credit risk for our settlement assets is concentrated with our retail distributors, which we periodically monitor.

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:



	Year Ended December 31,
	2012		2011		2010
Walmart	64	%	61	%	63	%
Three other largest retail distributors, as a group	20	%	20	%	20	%

Excluding stock-based retailer incentive compensation of $8.3 million, $17.3 million and $13.4 million for the years ended December 31, 2012, 2011 and 2010, respectively, revenues derived from our products sold at our four largest retail distributors represented the following percentages of our total operating revenues:



	Year Ended December 31,
	2012		2011		2010
Walmart	65	%	62	%	64	%
Three other largest retail distributors, as a group	20	%	19	%	18	%

Note 19—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:



	Year Ended December 31,
	2012		2011		2010
Concentration of GPR cards activated (in units)	87	%	80	%	84	%
Concentration of sales of cash transfer products (in units)	88	%	90	%	93	%

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:



	December 31,
	2012		2011
Walmart	35	%	33	%
Three other largest retail distributors, as a group	38	%	39	%

At December 31, 2012 the customer funds underlying the Walmart co-branded GPR cards were held by GE Capital Retail Bank. These funds are held in trust for the benefit of the customers, and we have no legal rights to the customer funds. Additionally, we have receivables due from GE Capital Retail Bank that are included in accounts receivable, net, on our consolidated balance sheets. The failure of this entity 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.

- 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 Accounting Standards Codification
-Topic 275
-SubTopic 10
-Section 50
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-URI http://asc.fasb.org/extlink&oid=6927468&loc=d3e6327-108592

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-Name Accounting Standards Codification
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Reference 7: 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 8: 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.

+ Details

Defined Contribution Plan	12 Months Ended
Defined Contribution Plan	Dec. 31, 2012
Compensation and Retirement Disclosure [Abstract]
Defined Contribution Plan	Note 17—Defined Contribution Plan On January 1, 2004, we established a defined contribution savings plan under Section 401(k) of the Internal Revenue Code. Employees who have attained at least 21 years of age are generally eligible to participate in the plan on the first day of the calendar month following the month in which they commence service with us. Participants may make pre-tax contributions to the plan from their eligible earnings up to the statutorily prescribed annual limit on pre-tax contributions under the code. We may contribute to the plan at the discretion of our board of directors. Effective January 1, 2010, our board elected to include a discretionary employer matching contribution equal to 50% of the first 6% of the participant’s eligible compensation as defined by the Plan. Our contributions are allocated in the same manner as that of the participant’s elective contributions. We made contributions to the plan of $1.2 million, $0.9 million, and $0.7 million for the years ended December 31, 2012, 2011, and 2010, respectively.

- Definition

The entire disclosure for pension and other postretirement benefits.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 715
-URI http://asc.fasb.org/topic&trid=2235017

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Implementation Guide (Q and A)
-Number FAS88
-Paragraph 63
-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 132R
-Paragraph 5
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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 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 106
-Paragraph 518
-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)
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-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 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Emerging Issues Task Force (EITF)
-Number 03-2
-Paragraph 8
-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 87
-Paragraph 264
-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 132R
-Paragraph 5
-Subparagraph q
-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 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 132R
-Paragraph 5
-Subparagraph h
-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 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 132R
-Paragraph 8
-Subparagraph m
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-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 132R
-Paragraph 5, 6, 7, 8
-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 12: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 158
-Paragraph 7, 21, 22
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-Publisher FASB
-Name FASB Staff Position (FSP)
-Number FAS106-2
-Paragraph 20, 21, 22
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-Publisher AICPA
-Name Accounting Principles Board Opinion (APB)
-Number 30
-Paragraph 26
-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

Commitments and Contingencies

12 Months Ended

Dec. 31, 2012

Commitments and Contingencies Disclosure [Abstract]

Commitments and Contingencies

In December 2011, we entered into a ten-year office lease for 140,000 square feet of office space in Pasadena, California. This facility serves as our corporate headquarters. The initial term of the lease is ten years and is scheduled to expire on October 31, 2022. We are also bound to a property sub-lease agreement of approximately 5,000 square feet that expires in December 2013 and maintain smaller administrative or project offices. Our total rental expense for these and former leases amounted to $6.4 million, $2.6 million and $1.8 million for the years ended December 31, 2012, 2011, and 2010.

At December 31, 2012, the minimum aggregate rental commitment under all operating leases was:



Year Ending December 31,	(In thousands)
2013	$	4,502
2014	4,196
2015	4,642
2016	4,768
2017	4,260
Thereafter	21,353
	$	43,721

We have various agreements with vendors and retail distributors that include future minimum annual payments. At December 31, 2012, the minimum aggregate commitment under these agreements was:



Year Ending December 31,	(In thousands)
2013	$	10,556
2014	5,277
2015	1,910
2016	6,550
2017	1,625
Thereafter	15,750
	$	41,668

Note 18—Commitments and Contingencies (continued)

In the event we terminate our processing services agreement for convenience, we are required to pay a single lump sum equal to any minimum payments remaining on the date of termination.

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.

- Definition

The entire disclosure for commitments and contingencies.

+ References

Reference 1: 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

Reference 2: http://www.xbrl.org/2003/role/presentationRef
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-Name Accounting Standards Codification
-Topic 460
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=6398077&loc=d3e12565-110249

Reference 3: http://www.xbrl.org/2003/role/presentationRef
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-Name Accounting Standards Codification
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-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=6952336&loc=d3e14435-108349

Reference 4: 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 5: 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 6: 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 7: 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.

+ Details

Significant Customer Concentrations

12 Months Ended

Dec. 31, 2012

Significant Customer Concentrations [Abstract]

Significant Customer Concentrations

Note 16—Concentrations of Credit Risk

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



	Year Ended December 31,
	2012		2011		2010
Walmart	64	%	61	%	63	%
Three other largest retail distributors, as a group	20	%	20	%	20	%



	Year Ended December 31,
	2012		2011		2010
Walmart	65	%	62	%	64	%
Three other largest retail distributors, as a group	20	%	19	%	18	%

Note 19—Significant Customer Concentration (continued)



	Year Ended December 31,
	2012		2011		2010
Concentration of GPR cards activated (in units)	87	%	80	%	84	%
Concentration of sales of cash transfer products (in units)	88	%	90	%	93	%

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:



	December 31,
	2012		2011
Walmart	35	%	33	%
Three other largest retail distributors, as a group	38	%	39	%

- Definition

+ References

+ Details

Regulatory Requirements Level 1 (Notes)

12 Months Ended

Dec. 31, 2012

Regulatory Requirements [Abstract]

Regulatory Requirements

Regulatory Matters and Capital Adequacy

Note 20—Regulatory Requirements

Our subsidiary bank, Green Dot Bank, is a member bank of the Federal Reserve System and our primary regulator is the Federal Reserve Board. We are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory actions by regulators that, if undertaken, could have a direct material effect on our financial statements. Under capital adequacy guidelines, we must meet specific capital guidelines that involve quantitative measures of the assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.

As of December 31, 2012, we were categorized as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, we must maintain specific total risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the table below. There are no conditions or events since December 31, 2012 which management believes would have changed our category as well capitalized. We were not subject to these requirements as of December 31, 2010.

The actual, required minimum and amount we exceed the minimum capital amounts and ratios at December 31, 2012 and 2011 are as follows:



	Actual			Regulatory "well capitalized" minimum
	Amount	Ratio		Amount	Ratio
December 31, 2012	(In thousands, except ratios)
Tier 1 leverage	289,323	47.8	%	30,266	5.0	%
Tier 1 risk-based capital	289,323	84.3	%	20,591	6.0	%
Total risk-based capital	289,323	84.3	%	34,318	10.0	%

December 31, 2011
Tier 1 leverage	228,971	69.1	%	16,578	5.0	%
Tier 1 risk-based capital	228,971	80.7	%	13,738	6.0	%
Total risk-based capital	228,971	80.7	%	28,374	10.0	%

- Definition

The entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable. The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1G
-URI http://asc.fasb.org/extlink&oid=7881181&loc=SL5958577-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef
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-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1C
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Reference 3: http://www.xbrl.org/2003/role/presentationRef
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-Section 50
-Paragraph 1H
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-Section 50
-Paragraph 1E
-URI http://asc.fasb.org/extlink&oid=7881181&loc=SL5958574-112826

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-URI http://asc.fasb.org/extlink&oid=7881181&loc=SL5958570-112826

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-URI http://asc.fasb.org/extlink&oid=7881181&loc=SL5958573-112826

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Reference 9: http://www.xbrl.org/2003/role/presentationRef
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-Name Accounting Standards Codification
-Topic 942
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-URI http://asc.fasb.org/extlink&oid=7881181&loc=SL5958575-112826

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Audit and Accounting Guide (AAG)
-Number AAG-DEP
-Paragraph 15, 16, 17
-IssueDate 2006-05-01
-Chapter 17
-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

Selected Quarterly Financial Information Level 1 (Notes)

12 Months Ended

Dec. 31, 2012

Selected Quarterly Financial Information [Abstract]

Selected Quarterly Financial Information

Note 21— Selected Unaudited Quarterly Financial Information

The following tables set forth a summary of our quarterly financial information for each of the four quarters in 2012 and 2011:



	2012
	Q4		Q3		Q2		Q1
	(In thousands, except per share data)
Total operating revenues	$	137,302	$	132,759	$	135,043	$	141,181
Total operating expenses	122,812		117,882		117,908		115,543
Operating income	14,490		14,877		17,135		25,638
Interest income, net	933		962		1,168		935
Income before income taxes	15,423		15,839		18,303		26,573
Income tax expense	5,053		6,227		7,434		10,205
Net income	$	10,370	$	9,612	$	10,869	$	16,368
Earnings per common share
Basic
Class A common stock	$	0.24	$	0.23	$	0.26	$	0.39
Class B common stock	$	0.24	$	0.23	$	0.26	$	0.39
Diluted
Class A common stock	$	0.24	$	0.22	$	0.25	$	0.37
Class B common stock	$	0.24	$	0.22	$	0.25	$	0.37



	2011
	Q4		Q3		Q2		Q1
	(In thousands, except per share data)
Total operating revenues	$	119,674	$	115,387	$	115,030	$	117,307
Total operating expenses	97,388		94,079		95,680		96,802
Operating income	22,286		21,308		19,350		20,505
Interest income, net	192		134		136		102
Income before income taxes	22,478		21,442		19,486		20,607
Income tax expense	8,470		8,139		7,416		7,906
Net income	$	14,008	$	13,303	$	12,070	$	12,701
Earnings per common share
Basic
Class A common stock	$	0.33	$	0.32	$	0.29	$	0.30
Class B common stock	$	0.33	$	0.32	$	0.29	$	0.30
Diluted
Class A common stock	$	0.33	$	0.30	$	0.27	$	0.29
Class B common stock	$	0.33	$	0.30	$	0.27	$	0.29

During the fourth quarter of 2012, we implemented new control procedures over the settlement of cardholder funds. As a result of these new controls, we identified an error relating to the calculation of overdrawn account balances that affects our financial results for the first, second and third quarters of 2012. We have determined that the effects of the error were not material to any previously reported period but the cumulative effect of correcting the error in the fourth quarter of 2012 would be material. In accordance with the Securities and Exchange Commission guidance contained in Staff Accounting Bulletin Topic 1, Financial Statements, we corrected the error in the fourth quarter of 2012 by adjusting prior period financial information. The quarterly information provided above reflects the correction of this error.

Note 21— Selected Unaudited Quarterly Financial Information (continued)

The effect of the correction on certain financial statement captions within our Consolidated Statements of Operations was as follows:



	As Reported		Adjustments			As Adjusted
	(In thousands, except per share data)
Q3 2012
Card revenues and other fees	$	54,138	$	(1,590	)	$	52,548
Other general and administrative expenses	18,050		59			18,109
Income tax expense	6,875		(648		)	6,227
Net income	10,613		(1,001		)	9,612
Basic earnings per common share	$	0.25	$	(0.02	)	$	0.23
Diluted earnings per common share	$	0.24	$	(0.02	)	$	0.22

Q2 2012
Card revenues and other fees	$	59,500	$	(1,638	)	$	57,862
Other general and administrative expenses	17,915		83			17,998
Income tax expense	8,133		(699		)	7,434
Net income	11,891		(1,022		)	10,869
Basic earnings per common share	$	0.28	$	(0.02	)	$	0.26
Diluted earnings per common share	$	0.27	$	(0.02	)	$	0.25



	As Reported		Adjustments			As Adjusted
	(In thousands, except per share data)
Q1 2012
Card revenues and other fees	$	62,373	$	(1,151	)	$	61,222
Other general and administrative expenses	15,904		64			15,968
Income tax expense	10,672		(467		)	10,205
Net income	17,116		(748		)	16,368
Basic earnings per common share	$	0.40	$	(0.01	)	$	0.39
Diluted earnings per common share	$	0.39	$	(0.02	)	$	0.37

The effect of the correction on certain financial statement captions within our Consolidated Balance Sheet was as follows:



	As Reported		Adjustments			As Adjusted
	(In thousands)
Q3 2012
Accounts receivable, net	$	43,428	$	1,435		$	44,863
Income tax receivable	825		1,814			2,639
Amounts due to card issuing banks for overdrawn accounts	49,117		6,020			55,137
Retained earnings	161,361		(2,771		)	158,590

Q2 2012
Accounts receivable, net	$	44,637	$	1,645		$	46,282
Income tax receivable	2,705		1,166			3,871
Amounts due to card issuing banks for overdrawn accounts	45,651		4,581			50,232
Retained earnings	150,748		(1,770		)	148,978

Q1 2012
Accounts receivable, net	$	46,996	$	1,436		$	48,432
Income tax receivable	1,612		467			2,079
Amounts due to card issuing banks for overdrawn accounts	42,947		2,651			45,598
Retained earnings	138,857		(748		)	138,109

Note 21— Selected Unaudited Quarterly Financial Information (continued)

In each of the periods referenced above, the effect of the correction did not impact net cash provided by operating activities, net cash used in investing activities or net cash provided by financing activities previously reported on our consolidated statements of cash flows. Additionally, our consolidated statements of comprehensive income for these periods were impacted by the adjustments to net income referenced above.

- Definition

The entire disclosure for the quarterly financial data in the annual financial statements. The disclosure may include a tabular presentation of financial information for each fiscal quarter for the current and previous year, including revenues, gross profit, income or loss before extraordinary items and earnings per share data. It also includes an indication if the information in the note is unaudited, comments on the aggregate effect of year-end adjustments, and an explanation of matters or transactions that affect comparability or are pertinent to an understanding of the information furnished.

+ References + Details

Subsequent Events Level 1 (Notes)	12 Months Ended
Subsequent Events Level 1 (Notes)	Dec. 31, 2012
Subsequent Events [Abstract]
Subsequent Events	Note 22—Subsequent Event In February 2013, we amended our card processing agreement with Total System Services, Inc. to extend its term by sixteen months to December 31, 2015.

Summary of Significant Accounting Policies (Policies)

12 Months Ended

Dec. 31, 2012

Dec. 31, 2011

Accounting Policies [Abstract]

Basis of Presentation and Significant Accounting Policies

Basis of Presentation

Note 2—Summary of Significant Accounting Policies (continued)

Changes in Presentation, Policy

Changes in Presentation

Use of Estimates, Policy

Use of Estimates and Assumptions

Unrestricted Cash and Cash Equivalents and Federal Funds Sold, Policy

Unrestricted Cash and Cash Equivalents and Federal Funds Sold

Investment Securities, Policy

Investment Securities

Interest on fixed income securities, including amortization of premiums and accretion of discounts, is included in interest income.

Obligations to Customers and Settlement Assets and Obligations, Policy

Obligations to Customers and Settlement Assets and Obligations

Note 2—Summary of Significant Accounting Policies (continued)

Accounts Receivable, Net, Policy

Accounts Receivable, Net

Overdrawn Account Balances Due from Cardholders and Reserve for Uncollectible Overdrawn Accounts

Restricted Cash, Policy

Restricted Cash

Loans to Bank Customers, Policy

Loans to Bank Customers

Purchased Credit-Impaired Loans

Note 2—Summary of Significant Accounting Policies (continued)

Nonperforming Loans

Allowance for Loan Losses

Property and Equipment, Policy

Property and Equipment

The estimated useful lives of the respective classes of assets are as follows:



Land	N/A
Building	30 years
Computer equipment, furniture and office equipment	3-4 years
Computer software purchased	3 years
Capitalized internal-use software	2 years
Tenant improvements	Shorter of the useful life or the lease term

Impairment of Long-Lived Assets, Policy

Impairment of Long Lived Assets

Goodwill and Intangible Assets, Policy

Goodwill and Intangible Assets

Intangible Assets, Finite-Lived, Policy

Intangible assets with finite lives are amortized on a straight-line basis over their estimated useful lives.

Amounts Due to Card Issuing Banks for Overdrawn Accounts, Policy

Amounts Due to Card Issuing Banks for Overdrawn Accounts

Fair Value of Financial Instruments, Policy

Fair Value

Note 2—Summary of Significant Accounting Policies (continued)

Revenue Recognition, Policy

Revenue Recognition

Sales and Marketing Expenses, Policy

Sales and Marketing Expenses

Our sales commissions, advertising and marketing expenses and manufacturing and distributing costs were as follows:



	Year Ended December 31,
	2012		2011		2010
	(In thousands)
Sales commissions	$	145,462	$	121,430	$	82,418
Advertising and marketing expenses	21,765		14,673		15,604
Manufacturing and distributing costs	42,643		32,644		24,868
Sales and marketing expenses	$	209,870	$	168,747	$	122,890

Employee Stock-based Compensation, Policy

Employee Stock-Based Compensation

Income Taxes, Policy

Income Taxes

Earnings Per Common Share, Policy

Earnings Per Common Share

Regulatory Matters and Capital Adequacy, Policy

Regulatory Matters and Capital Adequacy

Note 20—Regulatory Requirements

The actual, required minimum and amount we exceed the minimum capital amounts and ratios at December 31, 2012 and 2011 are as follows:



	Actual			Regulatory "well capitalized" minimum
	Amount	Ratio		Amount	Ratio
December 31, 2012	(In thousands, except ratios)
Tier 1 leverage	289,323	47.8	%	30,266	5.0	%
Tier 1 risk-based capital	289,323	84.3	%	20,591	6.0	%
Total risk-based capital	289,323	84.3	%	34,318	10.0	%

December 31, 2011
Tier 1 leverage	228,971	69.1	%	16,578	5.0	%
Tier 1 risk-based capital	228,971	80.7	%	13,738	6.0	%
Total risk-based capital	228,971	80.7	%	28,374	10.0	%

Recent Accounting Pronouncements, Policy

Note 2—Summary of Significant Accounting Policies (continued)

Summary of Significant Accounting Policies Property & Equipment Estimated Useful Lives (Tables)

12 Months Ended

Dec. 31, 2012

Property, Plant and Equipment Estimated Useful Life [Abstract]

Property and Equipment

The estimated useful lives of the respective classes of assets are as follows:



Land	N/A
Building	30 years
Computer equipment, furniture and office equipment	3-4 years
Computer software purchased	3 years
Capitalized internal-use software	2 years
Tenant improvements	Shorter of the useful life or the lease term

Property and equipment consisted of the following:



	December 31,
	2012			2011
	(In thousands)
Land	$	205		$	205
Building	543			568
Computer equipment, furniture, and office equipment	23,690			17,119
Computer software purchased	10,914			6,284
Capitalized internal-use software	52,501			29,673
Tenant improvements	7,076			2,182
	94,929			56,031
Less accumulated depreciation and amortization	(36,553		)	(28,750		)
Property and equipment, net	$	58,376		$	27,281

Investment Securities (Tables)

12 Months Ended

Dec. 31, 2012

Investment Securities [Abstract]

Investment securities, available-for-sale

As of December 31, 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
December 31, 2012	(In thousands)
Fixed income securities
Corporate bonds	$	6,138	$	(2	)	$	—	$	—	$	6,138	$	(2	)
Commercial paper	6,390		(2		)	—		—		6,390		(2		)
Agency securities	6,302		(1		)	—		—		6,302		(1		)
Municipal bonds	1,602		(3		)	—		—		1,602		(3		)
Total fixed income securities	$	20,432	$	(8	)	$	—	$	—	$	20,432	$	(8	)

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	)

Our available-for-sale investment securities were as follows:



	Amortized cost		Gross unrealized gains		Gross unrealized losses			Fair value
December 31, 2012	(In thousands)
Corporate bonds	$	37,320	$	39	$	(2	)	$	37,357
Commercial paper	55,733		17		(2		)	55,748
Negotiable certificate of deposit	4,400		14		—			4,414
U.S. treasury notes	22,258		9		—			22,267
Agency securities	25,845		23		(1		)	25,867
Municipal bonds	11,528		43		(3		)	11,568
Asset-backed securities	26,533		33		—			26,566
Total fixed income securities	$	183,617	$	178	$	(8	)	$	183,787

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

Investments Classified by Contractual Maturity Date

As of December 31, 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	$	115,195	$	115,244
Due after one year through five years	40,456		40,516
Due after five years through ten years	1,433		1,461
Due after ten years	—		—
Asset-backed securities	26,533		26,566
Total fixed income securities	$	183,617	$	183,787

- Definition

Tabular disclosure of available-for-sale securities which includes, but is not limited to, changes in the cost basis and fair value, fair value and gross unrealized gain (loss), fair values by type of security, contractual maturity and classification, amortized cost basis, contracts to acquire securities to be accounted for as available-for-sale, debt maturities, transfers to trading, change in net unrealized holding gain (loss) net of tax, continuous unrealized loss position fair value, aggregate losses qualitative disclosures, other than temporary impairment (OTTI) losses or other disclosures related to available for sale securities.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 320
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62557-112803

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=6872113&loc=d3e27337-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6872113&loc=d3e27198-111563

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 320
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62586-112803

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6872113&loc=d3e27161-111563

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 9
-URI http://asc.fasb.org/extlink&oid=6872113&loc=d3e27357-111563

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6872113&loc=d3e27290-111563

Reference 8: 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 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-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 10: 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.

+ Details

Accounts Receivable (Tables)

12 Months Ended

Dec. 31, 2012

Accounts, Notes, Loans and Financing Receivable, Net, Current [Abstract]

Accounts Receivable

Accounts receivable, net consisted of the following:



	December 31,
	2012			2011
	(In thousands)
Overdrawn account balances due from cardholders	$	24,328		$	22,139
Reserve for uncollectible overdrawn accounts	(16,257		)	(15,309		)
Net overdrawn account balances due from cardholders	8,071			6,830

Trade receivables	5,686			5,574
Reserve for uncollectible trade receivables	(69		)	(453		)
Net trade receivables	5,617			5,121

Receivables due from card issuing banks	33,729			28,812
Other receivables	3,375			4,691
Accounts receivable, net	$	50,792		$	45,454

Note 4—Accounts Receivable (continued)

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



	Year Ended December 31,
	2012			2011			2010
	(In thousands)
Balance, beginning of period	$	15,309		$	11,823		$	7,460
Provision for uncollectible overdrawn accounts:
Fees	59,445			55,048			43,634
Purchase transactions	2,900			5,514			2,459
Charge-offs	(61,397		)	(57,076		)	(41,730		)
Balance, end of period	$	16,257		$	15,309		$	11,823

Loans to Bank Customers (Tables)

12 Months Ended

Dec. 31, 2012

Loans and Leases Receivable Disclosure [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
December 31, 2012	(In thousands)
Real estate	$	88		$	—		$	—		$	88		$	3,139		$	106		$	3,333
Commercial	—			—			—			—			1,079			5			1,084
Installment	1			1			—			2			2,976			157			3,135
Total loans	$	89		$	1		$	—		$	90		$	7,194		$	268		$	7,552

Percentage of outstanding	1.18		%	0.01		%	—		%	1.19		%	95.26		%	3.55		%	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



	December 31,
	2012		2011
	(In thousands)
Real estate	$	8	$	—
Commercial	244		—
Installment	135		—
Total loans	$	387	$	—

Financing Receivable Credit Quality Indicators

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



	December 31, 2012				December 31, 2011
	Non-Classified		Classified		Non-Classified		Classified
	(In thousands)
Real estate	$	3,219	$	114	$	5,125	$	361
Commercial	835		249		1,407		10
Installment	2,843		292		2,982		151
Total loans	$	6,897	$	655	$	9,514	$	522

PCI Loans

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



	December 31,
	2012		2011
	(In thousands)
Unpaid principal balance	$	729	$	1,506
Carrying value excluding allowance for loan losses	350		799

Accretable Yield

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



	Year Ended December 31, 2012			Period Ended
	Year Ended December 31, 2012			December 31, 2011
	(In thousands)
Accretable yield at beginning of period	$	99		$	—
Additions	—			99
Accretion	(34		)	—
Adjustments	62			—
Accretable yield at end of period	$	127		$	99

Impaired Loans



	December 31, 2012						Year Ended December 31, 2012
	Unpaid Principal Balance		Carrying Value		Related Allowance		Average Carrying Value		Interest Income Recognized
With no recorded allowance	(In thousands)
Real estate	$	—	$	—	$	—	$	—	$	—
Commercial	513		167		—		175		48
Installment	77		33		—		35		15
With an allowance recorded
Real estate	$	194	$	96	$	88	$	130	$	24
Commercial	139		102		25		73		—
Installment	326		139		37		134		58
Total
Real estate	$	194	$	96	$	88	$	130	$	24
Commercial	652		269		25		248		48
Installment	403		172		37		169		73

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:



	December 31, 2012
	Unpaid Principal Balance		Carrying Value
	(In thousands)
Real estate	$	194	$	96
Commercial	280		136
Installment	403		173

Allowance for Loan Losses

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



	Year Ended December 31,
	2012			2011
	(In thousands)
Allowance for loan losses, beginning of period	$	—		$	—
Provision for loans	698			—
Loans charged off	(223		)	—
Allowance for loan losses, end of period	$	475		$	—

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



	December 31, 2012
Collectively evaluated for impairment	(In thousands)
Allowance for loan losses	$	243
Carrying value, gross of allowance	7,140
Impaired loans and troubled debt restructurings¹
Allowance for loan losses	$	150
Carrying value, gross of allowance	537
Purchased credit-impaired loans
Allowance for loan losses	$	82
Carrying value, gross of allowance	350
Total
Allowance for loan losses	$	475
Carrying value, gross of allowance	8,027

¹ Represents loans individually evaluated for impairment

Property & Equipment (Tables)

12 Months Ended

Dec. 31, 2012

Property & Equipment [Abstract]

Property and Equipment

The estimated useful lives of the respective classes of assets are as follows:



Land	N/A
Building	30 years
Computer equipment, furniture and office equipment	3-4 years
Computer software purchased	3 years
Capitalized internal-use software	2 years
Tenant improvements	Shorter of the useful life or the lease term

Property and equipment consisted of the following:



	December 31,
	2012			2011
	(In thousands)
Land	$	205		$	205
Building	543			568
Computer equipment, furniture, and office equipment	23,690			17,119
Computer software purchased	10,914			6,284
Capitalized internal-use software	52,501			29,673
Tenant improvements	7,076			2,182
	94,929			56,031
Less accumulated depreciation and amortization	(36,553		)	(28,750		)
Property and equipment, net	$	58,376		$	27,281

Goodwill and Intangible Assets (Tables)

12 Months Ended

Dec. 31, 2012

Goodwill and Intangible Assets Disclosure [Abstract]

Schedule of Impaired Intangible Assets

The gross carrying amounts and accumulated amortization related to intangibles assets were as follows:



	December 31, 2012					December 31, 2011
	Gross Carrying Value		Accumulated Amortization			Gross Carrying Value		Accumulated Amortization
	(In thousands)					(In thousands)
Finite-lived intangibles	$	926	$	(372	)	$	926	$	(242	)
Indefinite-lived intangibles	3,000		N/A			—		N/A
Total intangible assets	$	3,926	$	(372	)	$	926	$	(242	)

Schedule of Intangible Assets and Goodwill

Goodwill and intangible assets on our consolidated balance sheets consisted of the following:



	December 31,
	2012		2011
	(In thousands)
Goodwill	$	27,250	$	10,817
Intangible assets, net	3,554		684
Goodwill and intangible assets	30,804		11,501

Schedule of Goodwill

Changes in the carrying amount of goodwill were as follows:



	December 31,
	2012		2011
	(In thousands)
Balance, beginning of period	$	10,817	$	—
Acquisitions	16,350		10,817
Other changes	83		—
Balance, end of period	$	27,250	$	10,817

- Definition

Tabular disclosure of goodwill by reportable segment and in total which includes a rollforward schedule.

+ References + Details

Deposits (Tables)

12 Months Ended

Dec. 31, 2012

Deposits [Abstract]

Summary of Deposits

In November 2012, we transitioned all outstanding customer deposits associated with our card issuing program with Synovus Bank to Green Dot Bank. These deposits are included as "GPR deposits" within non-interest bearing deposit accounts below. Deposits were categorized as non-interest and interest-bearing deposits as follows:



	December 31,
	2012		2011
Non-interest bearing deposit accounts	(In thousands)
GPR deposits	$	165,739	$	51
Other demand deposits	16,138		19,095
Total non-interest bearing deposit accounts	181,877		19,146
Interest-bearing deposit accounts
Negotiable order of withdrawal (NOW)	1,860		1,612
Savings	5,986		7,118
Time deposits, denominations greater than or equal to $100	6,417		1,381
Time deposits, denominations less than $100	2,311		9,700
Total interest-bearing deposit accounts	16,574		19,811
Total deposits	$	198,451	$	38,957

Contractual Maturities For Total Time Deposits

The scheduled contractual maturities for total time deposits are presented in the table below:



	December 31, 2012
	(In thousands)
Due in 2013	$	4,592
Due in 2014	783
Due in 2015	1,687
Due in 2016	982
Due in 2017	684
Thereafter	—
Total time deposits	$	8,728

Stockholders' Equity (Tables)	12 Months Ended
Stockholders' Equity (Tables)	Dec. 31, 2011
Stockholders' Equity Attributable to Parent [Abstract]
Schedule of Stockholders Equity	Convertible Preferred Stock In December 2011, we filed a restated Certificate of Incorporation that authorized 10,085 shares of Series A Convertible Junior Participating Non-Cumulative Perpetual Preferred Stock, or Series A Preferred Stock. We then entered into and completed a share exchange with a significant shareholder, whereby 6,859,000 shares of our Class B common stock were exchanged for 6,859 shares of our newly created series of preferred stock. Our Certificate of Incorporation specified the following rights, preferences, and privileges for our Series A preferred stockholders.

Employee Stock-Based Compensation (Tables)

12 Months Ended

Dec. 31, 2012

Share-based Compensation [Abstract]

Schedule of Compensation Cost for Share-based Payment Arrangements, Allocation of Share-based Compensation Costs by Plan

Total stock-based compensation expense and the portion of income tax expense recognized as part of stock-based compensation is as follows:



	Year Ended December 31,
	2012	2011	2010
	(In thousands)
Total stock-based compensation expense	$12,734	$9,524	$7,256
Total income tax expense recognized as part of stock-based compensation	$1,465	$1,890	$1,281

Schedule of Share-based Compensation, Stock Options, Activity

Stock option activity for the year ended December 31, 2012 was as follows:



	Options		Weighted-Average Exercise Price		Weighted-Average Remaining Contractual Life (in Years)	Aggregate Intrinsic Value
	(In thousands, except per share data and years)
Outstanding at December 31, 2011	4,756		$	15.79
Options granted	2,247		19.35
Options exercised	(412	)	4.93
Options canceled	(874	)	30.51
Outstanding at December 31, 2012	5,717		$	15.72	6.26	$	15,873
Vested or expected to vest at December 31, 2012	5,570		$	15.62	6.17	$	15,841
Exercisable at December 31, 2012	3,328		$	12.03	4.18	$	15,583

Stock-Based Retailer Incentive Compensation

Grant Summary

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



	Year Ended December 31,
	2012		2011		2010
	(In thousands, except per share data)
Stock options granted	2,247		889		349
Weighted-average exercise price	$	19.35	$	38.70	$	32.38
Weighted-average grant-date fair value	$	8.92	$	18.62	$	15.66

Restricted stock units granted	613		111		—
Weighted-average grant-date fair value	$	14.14	$	33.46	$	—

Note 10—Employee Stock-Based Compensation (continued)

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



	Year Ended December 31,
	2012		2011		2010
Risk-free interest rate	0.97	%	2.06	%	2.18	%
Expected term (life) of options (in years)	6.07		6.06		5.92
Expected dividends	—		—		—
Expected volatility	47.51	%	48.32	%	49.41	%

Restricted stock unit activity for the year ended December 31, 2012 was as follows:



	Shares		Weighted-Average Grant-Date Fair Value
	(In thousands)
Outstanding at December 31, 2011	110		$	33.46
Restricted stock units granted	613		$	14.14
Restricted stock units canceled	(27	)	$	33.58
Restricted stock units vested	(80	)	$	26.60
Outstanding at December 31, 2012	616		$	15.10

In January 2001, we adopted the 2001 Stock Plan. The 2001 Stock Plan provided for the granting of incentive stock options, nonqualified stock options and other stock awards. Options granted under the 2001 Stock Plan generally vest over four years and expire five years or ten years years from the date of grant.

In June 2010, our board of directors adopted, and in July 2010 our stockholders approved, the 2010 Equity Incentive Plan, which replaced our 2001 Stock Plan, and the 2010 Employee Stock Purchase Plan. The 2010 Equity Incentive Plan authorizes the award of stock options, restricted stock awards, stock appreciation rights, restricted stock units, performance shares and stock bonuses. Options granted under the 2010 Equity Incentive Plan generally vest over four years and expire five years or ten years from the date of grant. The 2010 Employee Stock Purchase Plan enables eligible employees to purchase shares of our Class A common stock periodically at a discount. Our 2010 Employee Stock Purchase Plan is intended to qualify as an employee stock purchase plan under Section 423 of the Internal Revenue Code.

We reserved 2,000,000 shares and 200,000 shares of our Class A common stock for issuance under our 2010 Equity Incentive Plan and 2010 Employee Stock Purchase Plan, respectively. The number of shares reserved for issuance under our 2010 Equity Incentive Plan and our 2010 Employee Stock Purchase Plan automatically increase on the first day of January of each of 2011 through 2014 and 2011 through 2018, respectively, by up to a number of shares equal to 3% and 1%, respectively, of the total outstanding shares our Class A and Class B common stock as of the immediately preceding December 31st. Our board of directors or its compensation committee may reduce the amount of the annual increase under the 2010 Equity Incentive Plan or 2010 Employee Stock Purchase Plan in any particular year. Options granted under the 2010 Equity Incentive Plan generally vest over four years and expire five or ten years from the date of grant.

- 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

Income Taxes (Tables)

12 Months Ended

Dec. 31, 2012

Income Tax Disclosure [Abstract]

Schedule of Components of Income Tax Expense (Benefit)

The components of income tax expense included in our consolidated statements of operations were as follows:



	Year Ended December 31,
	2012			2011		2010
	(In thousands)
Current:
Federal	$	21,322		$	29,583	$	26,638
State	1,805			2,096		1,466
Current income tax expense	23,127			31,679		28,104
Deferred:
Federal	5,931			251		(579		)
State	(139		)	—		(125		)
Deferred income tax expense (benefit)	5,792			251		(704		)
Income tax expense	$	28,919		$	31,930	$	27,400

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 is shown in the following:



	Year Ended December 31,
	2012		2011		2010
U.S. federal statutory tax rate	35.0	%	35.0	%	35.0	%
State income taxes, net of federal benefit	1.9		1.6		3.8
Change in State Apportionment Method	—		—		(4.6	)
Non-deductible offering costs	—		—		2.4
Employee stock-based compensation	1.4		1.2		0.7
Other	(0.1	)	0.2		2.0
Effective tax rate	38.2	%	38.0	%	39.3	%

The effective tax rates for the periods above differ from the expected federal statutory tax rate of 35% primarily due to state income taxes, net of the federal tax benefit.

Schedule of Deferred Tax Assets and Liabilities

The tax effects of temporary differences that give rise to significant portions of our deferred tax assets and liabilities were as follows:



	December 31,
	2012			2011
	(In thousands)
Deferred tax assets:
Net operating loss carryforwards	$	13,655		$	120
Stock-based compensation	7,057			4,236
Reserve for overdrawn accounts	6,130			5,726
Accrued liabilities	3,191			717
Purchase accounting adjustments	494			1,276
Other	778			697
Gross deferred tax assets	31,305			12,772
Valuation allowance	(1,262		)	—
Total deferred tax assets, net of valuation allowance	30,043			12,772

Deferred tax liabilities:
Internal-use software costs	9,986			3,669
Property and equipment, net	6,013			3,022
Deferred expenses	4,013			3,987
Intangible assets	1,386			103
Deferred revenue	1,063			78
Other	475			—
Total deferred tax liabilities	22,936			10,859

Net deferred tax assets	$	7,107		$	1,913

Total net deferred tax assets and liabilities are included in our consolidated balance sheets as follows:



	December 31,
	2012		2011
	(In thousands)
Current net deferred tax assets	$	2,478	$	6,664
Noncurrent net deferred tax assets	4,629		—
Noncurrent deferred tax liabilities	—		4,751
Net deferred tax assets	$	7,107	$	1,913

Summary of Valuation Allowance

The deferred tax assets and related valuation allowances recognized for the net operating loss and tax credit carryforwards were as follows:



	December 31, 2012
	Deferred Tax Asset		Valuation Allowance			Net Deferred Tax Asset		First Year Expiring
	(In thousands)
Net operating losses	$	13,655	$	(956	)	$	12,699	After 2024
General business credits	306		(306		)	—		After 2024

Summary of Income Tax Contingencies

The reconciliation of the beginning unrecognized tax benefits balance to the ending balance is as follows:



	Year Ended December 31,
	2012		2011		2010
	(In thousands)
Beginning balance	$	—	$	—	$	—
Increases related to positions taken during prior years	970		—		—
Increases related to positions taken during the current year	511		—		—
Ending balance	$	1,481	$	—	$	—

The total amount of unrecognized tax benefits that, if recognized, would affect the effective tax rate	$	1,481	$	—	$	—

- Definition

Tabular disclosure of tax positions taken in the tax returns filed or to be filed for which it is more likely than not that the tax position will not be sustained upon examination by taxing authorities (i.e., uncertain tax positions) and other types of income tax contingencies, including: (1) the policy on classification of interest and penalties; (2) a tabular reconciliation of the total amounts of unrecognized tax benefits at the beginning and end of the period; the total amount(s) of: (3) unrecognized tax benefits that, if recognized, would affect the effective tax rate, and (4) interest and penalties recognized in each of the income statement and balance sheet; (5) for positions for which it is reasonably possible that the total amounts unrecognized will significantly change within 12 months of the reporting date the: (i) nature of the uncertainty, (ii) nature of the event that could occur that would cause the change, and (iii) an estimate of the range of the reasonably possible change or a statement that an estimate of the range cannot be made; and (6) a description of tax years that remain subject to examination by major tax jurisdictions.

+ References + Details

- Definition

Tabular disclosure of valuation allowances to reduce deferred tax assets to net realizable value, including identification of the deferred tax asset more likely than not will not be fully realized and the corresponding amount of the valuation allowance.

+ References + Details

Earnings per Common Share (Tables)

12 Months Ended

Dec. 31, 2012

Earnings Per Share [Abstract]

Earnings Per Common Share



	Year Ended December 31,
	2012			2011			2010
	(In thousands, except per share data)
Basic earnings per Class A common share
Net income	$	47,219		$	52,083		$	42,232
Income attributable to preferred stock	(7,599		)	(558		)	(14,659		)
Income attributable to other classes of common stock	(6,719		)	(24,022		)	(24,408		)
Net income allocated to Class A common stockholders	32,901			27,503			3,165
Weighted-average Class A shares issued and outstanding	29,698			22,238			2,980
Basic earnings per Class A common share	$	1.11		$	1.24		$	1.06

Diluted earnings per Class A common share
Net income allocated to Class A common stockholders	$	32,901		$	27,503		$	3,165
Allocated earnings to participating securities, net of re-allocated earnings	6,592			23,585			24,366
Re-allocated earnings	(980		)	(1,036		)	(231		)
Diluted net income allocated to Class A common stockholders	38,513			50,052			27,300
Weighted-average Class A shares issued and outstanding	29,698			22,238			2,980
Dilutive potential common shares:
Class B common stock	6,150			19,822			24,796
Stock options	20			—			—
Restricted stock units	43			3			—
Employee stock purchase plan	22			2			6
Diluted weighted-average Class A shares issued and outstanding	35,933			42,065			27,782
Diluted earnings per Class A common share	$	1.07		$	1.19		$	0.98



	Year Ended December 31,
	2012			2011			2010
	(In thousands, except per share data)
Basic earnings per Class B common share
Net income	$	47,219		$	52,083		$	42,232
Income attributable to preferred stock	(7,599		)	(558		)	(14,659		)
Income attributable to other classes of common stock	(34,301		)	(29,613		)	(4,644		)
Net income allocated to Class B common stockholders	5,319			21,912			22,929
Weighted-average Class B shares issued and outstanding	4,801			17,718			21,589
Basic earnings per Class B common share	$	1.11		$	1.24		$	1.06

Diluted earnings per Class B common share
Net income allocated to Class B common stockholders	$	5,319		$	21,912		$	22,929
Re-allocated earnings	1,273			1,673			1,437
Diluted net income allocated to Class B common stockholders	6,592			23,585			24,366
Weighted-average Class B shares issued and outstanding	4,801			17,718			21,589
Dilutive potential common shares:
Stock options	1,349			2,104			3,061
Warrants	—			—			146
Diluted weighted-average Class B shares issued and outstanding	6,150			19,822			24,796
Diluted earnings per Class B common share	$	1.07		$	1.19		$	0.98

Antidilutive Shares

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



	Year Ended December 31,
	2012	2011	2010
Class A common stock	(In thousands)
Options to purchase Class A common stock	1,408	258	22
Restricted stock units	26	—	—
Conversion of convertible preferred stock	6,859	451	—
Total options, restricted stock units and convertible preferred stock	8,293	709	22
Class B common stock
Options to purchase Class B common stock	122	5	11
Conversion of convertible preferred stock	—	—	13,803
Total options	122	5	13,814

Fair Value Measurements (Tables)

12 Months Ended

Dec. 31, 2012

Fair Value Disclosures [Abstract]

Assets Carried at Fair Value on a Recurring Basis

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



	Level 1		Level 2		Level 3		Total Fair Value
December 31, 2012	(In thousands)
Corporate bonds	$	—	$	37,357	$	—	$	37,357
Commercial paper	—		55,748		—		55,748
Negotiable certificate of deposit	—		4,414		—		4,414
U.S. treasury notes	—		22,267		—		22,267
Agency securities	—		25,867		—		25,867
Municipal bonds	—		11,568		—		11,568
Asset-backed securities	—		26,566		—		26,566
Total	$	—	$	183,787	$	—	$	183,787

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)

12 Months Ended

Dec. 31, 2012

Fair Value Disclosures [Abstract]

Fair Value of Assets Not Carried at Fair Value



	December 31, 2012				December 31, 2011
	Carrying Value		Fair Value		Carrying Value		Fair Value
Financial Assets	(In thousands)
Loans to bank customers	$	7,552	$	5,719	$	10,036	$	10,036

Financial Liabilities
Deposits	$	198,451	$	198,369	$	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 Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=7491637&loc=d3e13476-108611

Reference 2: 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=7578670&loc=d3e19207-110258

Reference 3: 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=7491637&loc=d3e13467-108611

Reference 4: 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

Reference 5: 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 6: 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=7491637&loc=d3e13433-108611

Reference 7: 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 8: 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 9: 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 10: 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 11: 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 12: 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.

+ Details

Borrowing Agreements (Tables)

12 Months Ended

Dec. 31, 2012

Borrowing Agreements [Abstract]

Schedule of Line of Credit Facilities

For the periods presented below, our line of credit had the following terms:



	Line of Credit		Interest Rate	Cash Collateral Requirements
	(In millions, except interest rates)
March 2012 - November 2012	$	10.0	LIBOR + 2.00%	$	10.0
March 2011 - March 2012	$	10.0	LIBOR + 2.00%	$	10.0

Commitments and Contingencies Commitments and Contingencies (Tables)

12 Months Ended

Dec. 31, 2012

Long-term Purchase Commitment [Line Items]

Purchase Commitment, Remaining Minimum Amount Committed

At December 31, 2012, the minimum aggregate commitment under these agreements was:



Year Ending December 31,	(In thousands)
2013	$	10,556
2014	5,277
2015	1,910
2016	6,550
2017	1,625
Thereafter	15,750
	$	41,668

Schedule of Future Mimimum Rental Payments for Operating Leases

Contractual Obligation, Fiscal Year Maturity Schedule

At December 31, 2012, the minimum aggregate rental commitment under all operating leases was:



Year Ending December 31,	(In thousands)
2013	$	4,502
2014	4,196
2015	4,642
2016	4,768
2017	4,260
Thereafter	21,353
	$	43,721

- Definition

Tabular disclosure of a lessee's leasing arrangements including: (1) the basis on which contingent rental payments are determined, (2) the existence and terms of renewal or purchase options and escalation clauses, (3) restrictions imposed by lease arrangements, such as those concerning dividends, additional debt, and further leasing, (4) rent holidays, rent concessions, or leasehold improvement incentives and unusual provisions or conditions. Disclosure may also include the specific period used to amortize material leasehold improvements made at the inception of the lease or during the lease term. Additionally, for operating leases having initial or remaining noncancelable lease terms in excess of one year: (a) future minimum rental payments required as of the date of the latest balance sheet presented, in the aggregate and for each of the five succeeding fiscal years, (b) the total of minimum rentals to be received in the future under noncancelable subleases as of the date of the latest balance sheet presented, and (c) for all operating leases, rental expense for each period for which an income statement is presented, with separate amounts for minimum rentals, contingent rentals, and sublease rentals. Rental payments under leases with terms of a month or less that were not renewed need not be included.

+ References + Details

Significant Customer Concentrations (Tables)

12 Months Ended

Dec. 31, 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:



	Year Ended December 31,
	2012		2011		2010
Walmart	64	%	61	%	63	%
Three other largest retail distributors, as a group	20	%	20	%	20	%



	Year Ended December 31,
	2012		2011		2010
Walmart	65	%	62	%	64	%
Three other largest retail distributors, as a group	20	%	19	%	18	%

Note 19—Significant Customer Concentration (continued)



	Year Ended December 31,
	2012		2011		2010
Concentration of GPR cards activated (in units)	87	%	80	%	84	%
Concentration of sales of cash transfer products (in units)	88	%	90	%	93	%

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:



	December 31,
	2012		2011
Walmart	35	%	33	%
Three other largest retail distributors, as a group	38	%	39	%

- 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

Regulatory Requirements (Tables)

12 Months Ended

Dec. 31, 2012

Regulatory Requirements [Abstract]

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations

The actual, required minimum and amount we exceed the minimum capital amounts and ratios at December 31, 2012 and 2011 are as follows:



	Actual			Regulatory "well capitalized" minimum
	Amount	Ratio		Amount	Ratio
December 31, 2012	(In thousands, except ratios)
Tier 1 leverage	289,323	47.8	%	30,266	5.0	%
Tier 1 risk-based capital	289,323	84.3	%	20,591	6.0	%
Total risk-based capital	289,323	84.3	%	34,318	10.0	%

December 31, 2011
Tier 1 leverage	228,971	69.1	%	16,578	5.0	%
Tier 1 risk-based capital	228,971	80.7	%	13,738	6.0	%
Total risk-based capital	228,971	80.7	%	28,374	10.0	%

Selected Quarterly Financial Information (Tables)

12 Months Ended

Dec. 31, 2012

Sep. 30, 2012

Dec. 31, 2011

Selected Quarterly Financial Information [Abstract]

Schedule of Quarterly Financial Information

The following tables set forth a summary of our quarterly financial information for each of the four quarters in 2012 and 2011:



	2012
	Q4		Q3		Q2		Q1
	(In thousands, except per share data)
Total operating revenues	$	137,302	$	132,759	$	135,043	$	141,181
Total operating expenses	122,812		117,882		117,908		115,543
Operating income	14,490		14,877		17,135		25,638
Interest income, net	933		962		1,168		935
Income before income taxes	15,423		15,839		18,303		26,573
Income tax expense	5,053		6,227		7,434		10,205
Net income	$	10,370	$	9,612	$	10,869	$	16,368
Earnings per common share
Basic
Class A common stock	$	0.24	$	0.23	$	0.26	$	0.39
Class B common stock	$	0.24	$	0.23	$	0.26	$	0.39
Diluted
Class A common stock	$	0.24	$	0.22	$	0.25	$	0.37
Class B common stock	$	0.24	$	0.22	$	0.25	$	0.37



	2011
	Q4		Q3		Q2		Q1
	(In thousands, except per share data)
Total operating revenues	$	119,674	$	115,387	$	115,030	$	117,307
Total operating expenses	97,388		94,079		95,680		96,802
Operating income	22,286		21,308		19,350		20,505
Interest income, net	192		134		136		102
Income before income taxes	22,478		21,442		19,486		20,607
Income tax expense	8,470		8,139		7,416		7,906
Net income	$	14,008	$	13,303	$	12,070	$	12,701
Earnings per common share
Basic
Class A common stock	$	0.33	$	0.32	$	0.29	$	0.30
Class B common stock	$	0.33	$	0.32	$	0.29	$	0.30
Diluted
Class A common stock	$	0.33	$	0.30	$	0.27	$	0.29
Class B common stock	$	0.33	$	0.30	$	0.27	$	0.29

Schedule of Error Corrections and Prior Period Adjustments

The effect of the correction on certain financial statement captions within our Consolidated Statements of Operations was as follows:



	As Reported		Adjustments			As Adjusted
	(In thousands, except per share data)
Q3 2012
Card revenues and other fees	$	54,138	$	(1,590	)	$	52,548
Other general and administrative expenses	18,050		59			18,109
Income tax expense	6,875		(648		)	6,227
Net income	10,613		(1,001		)	9,612
Basic earnings per common share	$	0.25	$	(0.02	)	$	0.23
Diluted earnings per common share	$	0.24	$	(0.02	)	$	0.22

Q2 2012
Card revenues and other fees	$	59,500	$	(1,638	)	$	57,862
Other general and administrative expenses	17,915		83			17,998
Income tax expense	8,133		(699		)	7,434
Net income	11,891		(1,022		)	10,869
Basic earnings per common share	$	0.28	$	(0.02	)	$	0.26
Diluted earnings per common share	$	0.27	$	(0.02	)	$	0.25



	As Reported		Adjustments			As Adjusted
	(In thousands, except per share data)
Q1 2012
Card revenues and other fees	$	62,373	$	(1,151	)	$	61,222
Other general and administrative expenses	15,904		64			15,968
Income tax expense	10,672		(467		)	10,205
Net income	17,116		(748		)	16,368
Basic earnings per common share	$	0.40	$	(0.01	)	$	0.39
Diluted earnings per common share	$	0.39	$	(0.02	)	$	0.37

The effect of the correction on certain financial statement captions within our Consolidated Balance Sheet was as follows:



	As Reported		Adjustments			As Adjusted
	(In thousands)
Q3 2012
Accounts receivable, net	$	43,428	$	1,435		$	44,863
Income tax receivable	825		1,814			2,639
Amounts due to card issuing banks for overdrawn accounts	49,117		6,020			55,137
Retained earnings	161,361		(2,771		)	158,590

Q2 2012
Accounts receivable, net	$	44,637	$	1,645		$	46,282
Income tax receivable	2,705		1,166			3,871
Amounts due to card issuing banks for overdrawn accounts	45,651		4,581			50,232
Retained earnings	150,748		(1,770		)	148,978

Q1 2012
Accounts receivable, net	$	46,996	$	1,436		$	48,432
Income tax receivable	1,612		467			2,079
Amounts due to card issuing banks for overdrawn accounts	42,947		2,651			45,598
Retained earnings	138,857		(748		)	138,109

- Definition

Tabular disclosure of prior period adjustments to previously issued financial statements including (1) the effect of the correction on each financial statement line item and any per-share amounts affected for each prior period presented (2) the cumulative effect of the change on retained earnings or other appropriate components of equity or net assets in the statement of financial position, as of the beginning of the earliest period presented, and (3) the effect of the prior period adjustments (both gross and net of applicable income tax) on the net income of each prior period presented in the entity's annual report for the year in which the adjustments are made.

+ References + Details

Organization Acquisitions (Details) - USD ($) $ in Millions	3 Months Ended
Organization Acquisitions (Details) - USD ($) $ in Millions	Dec. 31, 2011	Sep. 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

Organization Initial Public Offering (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010	Dec. 13, 2010	Jul. 27, 2010	Dec. 31, 2009
Class of Stock [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period	(412,000)		936,301
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price	$ 12.03			$ 4.32
Proceeds from Stock Options Exercised	$ 6,288	$ 9,091	$ 4,000
Common Class A [Member]
Class of Stock [Line Items]
Common Stock, Shares, Issued	31,798,000	30,162,000	14,762,000			0
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period	141,000	104,000
Proceeds from Stock Options Exercised	$ 0	$ 2
Common Class A [Member] \| IPO [Member]
Class of Stock [Line Items]
Common Stock, Shares, Issued					5,241,758
Sale of Stock, by Company, Price Per Share					$ 36.00
Series C Preferred Stock [Member] \| IPO [Member]
Class of Stock [Line Items]
Shares Issued During the Period, Shares, Exercise of Warrant					283,786
Class of Warrant or Right, Exercise Price of Warrants or Rights					$ 1.41
Common Class B [Member]
Class of Stock [Line Items]
Common Stock, Shares, Issued	4,197,000	5,280,000	27,091,000			12,860,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period	412,000	344,000
Proceeds from Stock Options Exercised	$ 0	$ 0
Common Class B [Member] \| IPO [Member]
Class of Stock [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period			377,840
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price					$ 2.63
Proceeds from Stock Options Exercised			$ 1,400
Convertible Preferred Stock, Shares Issued upon Conversion					24,941,421

Summary of Significant Accounting Policies (Details) $ in Millions	3 Months Ended	12 Months Ended
	Dec. 31, 2011 USD ($)	Dec. 31, 2012 mo	Dec. 31, 2011
Change in Estimate [Line Items]
Months to Settle Overdrawn Accounts \| mo		12
Prior Period Reclassification Adjustment \| $	$ 0.7
GPR Average Card Lifetime		7 months	9 months
Maximum [Member]
Change in Estimate [Line Items]
GPR average card lifetime analysis period		30 months	42 months

Summary of Significant Accounting Policies Other (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2012 USD ($) d mo	Dec. 31, 2011 USD ($)	Dec. 31, 2010 USD ($)	Dec. 08, 2011 USD ($)
Variable Interest Entity, Qualitative or Quantitative Information, Ownership Percentage	50.00%
Nonaccrual Status Threshold \| d	90
Impairment of Long-Lived Assets Held-for-use	$ 1,029	$ 397	$ 409
GPR Average Card Lifetime	7 months	9 months
Months to Settle Overdrawn Accounts \| mo	12
Financing Receivable, Allowance for Credit Losses	$ 475	$ 0		$ 0
Loans and Leases Receivable, Net Amount	7,552	10,036
Loans to Bank Customers - Fair Value	5,719	10,036
Deposits	$ 198,451	38,957
Gift Card Average Card Lifetime	6 months
Days to Recognize Cash Transfer Transactions	2 days
Financing Receivable, Collectively Evaluated for Impairment	$ 7,140
Sales Commissions and Fees	145,462	121,430	82,418
Advertising Expense	21,765	14,673	15,604
Manufacturing Costs	42,643	32,644	24,868
Shipping, Handling and Transportation Costs	$ 3,400	$ 3,400	$ 2,700

Summary of Significant Accounting Policies Selling and Marketing Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Sales Commissions and Fees	$ 145,462	$ 121,430	$ 82,418
Selling and Marketing Expense	21,765	14,673	15,604
Manufacturing Costs	42,643	32,644	24,868
Selling and Marketing Expense	$ 209,870	$ 168,747	$ 122,890

Investment Securities Gross Gains and Losses (Details) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities, Amortized Cost Basis	$ 183,617	$ 31,163
Available-for-sale Securities, Gross Unrealized Gains	178	53
Gross unrealized losses	(8)	(6)
Available-for-sale Securities	183,787	31,210
Corporate Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities, Amortized Cost Basis	37,320	16,307
Available-for-sale Securities, Gross Unrealized Gains	39	27
Gross unrealized losses	(2)	(1)
Available-for-sale Securities	37,357	16,333
Commercial Paper, Not Included with Cash and Cash Equivalents [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities, Amortized Cost Basis	55,733	4,998
Available-for-sale Securities, Gross Unrealized Gains	17	1
Gross unrealized losses	(2)	0
Available-for-sale Securities	55,748	4,999
Certificates of Deposit [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities, Amortized Cost Basis	4,400	3,500
Available-for-sale Securities, Gross Unrealized Gains	14	0
Gross unrealized losses	0	0
Available-for-sale Securities	4,414	3,500
US Treasury Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities, Amortized Cost Basis	22,258
Available-for-sale Securities, Gross Unrealized Gains	9
Gross unrealized losses	0
Available-for-sale Securities	22,267
US Government Agencies Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities, Amortized Cost Basis	25,845	3,979
Available-for-sale Securities, Gross Unrealized Gains	23	12
Gross unrealized losses	(1)	(4)
Available-for-sale Securities	25,867	3,987
US States and Political Subdivisions Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities, Amortized Cost Basis	11,528	2,379
Available-for-sale Securities, Gross Unrealized Gains	43	13
Gross unrealized losses	(3)	(1)
Available-for-sale Securities	11,568	$ 2,391
Asset-backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities, Amortized Cost Basis	26,533
Available-for-sale Securities, Gross Unrealized Gains	33
Gross unrealized losses	0
Available-for-sale Securities	$ 26,566

Investment Securities Continuous Unrealized Loss (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
Schedule of Available-for-sale Securities [Line Items]
Other than Temporary Impairment Losses, Investments	$ 0	$ 0
Corporate Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	6,138	2,999
Unrealized losses, less than 12 months	(2)	(1)
Fair value, 12 months or more	0	0
Unrealized losses, 12 months or more	0	0
Total fair value	6,138	2,999
Total unrealized losses	(2)	(1)
Commercial Paper [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	6,390
Unrealized losses, less than 12 months	(2)
Fair value, 12 months or more	0
Unrealized losses, 12 months or more	0
Total fair value	6,390
Total unrealized losses	(2)
US Government Agencies Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	6,302	1,663
Unrealized losses, less than 12 months	(1)	(4)
Fair value, 12 months or more	0	0
Unrealized losses, 12 months or more	0	0
Total fair value	6,302	1,663
Total unrealized losses	(1)	(4)
US States and Political Subdivisions Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	1,602	324
Unrealized losses, less than 12 months	(3)	(1)
Fair value, 12 months or more	0	0
Unrealized losses, 12 months or more	0	0
Total fair value	1,602	324
Total unrealized losses	(3)	(1)
Total fixed income securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair value, less than 12 months	20,432	4,986
Unrealized losses, less than 12 months	(8)	(6)
Fair value, 12 months or more	0	0
Unrealized losses, 12 months or more	0	0
Total fair value	20,432	4,986
Total unrealized losses	$ (8)	$ (6)

Investment Securities Maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Fiscal Year Maturity [Abstract]
Available-for-sale Securities, Debt Maturities, Next Twelve Months, Amortized Cost Basis	$ 115,195
Available-for-sale Securities, Debt Maturities, Year Two Through Five, Amortized Cost Basis	40,456
Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Amortized Cost Basis	1,433
Available-for-sale Securities, Debt Maturities, after Ten Years, Amortized Cost Basis	0
Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Amortized Cost Basis	26,533
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis	183,617
Available-for-sale Securities, Debt Maturities, Fair Value, Fiscal Year Maturity [Abstract]
Available-for-sale Securities, Debt Maturities, Next Twelve Months, Fair Value	115,244
Available-for-sale Securities, Debt Maturities, Year Two Through Five, Fair Value	40,516
Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Fair Value	1,461
Available-for-sale Securities, Debt Maturities, after Ten Years, Fair Value	0
Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Fair Value	26,566
Available-for-sale Securities	$ 183,787	$ 31,210

Accounts Receivable Accounts receivable (Details) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010	Dec. 31, 2009
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Net	$ 50,792	$ 45,454
Overdrawn Account Balances due from Cardholders [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Gross	24,328	22,139
Allowance for Doubtful Accounts Receivable	(16,257)	(15,309)	$ (11,823)	$ (7,460)
Accounts Receivable, Net	8,071	6,830
Trade receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Gross	5,686	5,574
Allowance for Doubtful Accounts Receivable	(69)	(453)
Accounts Receivable, Net	5,617	5,121
Other receivables [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Gross	3,375	4,691
Receivables due from card issuing banks [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accounts Receivable, Gross	$ 33,729	$ 28,812

Accounts Receivable Reserve for uncollectible overdrawn accounts activity (Details) - Reserve for uncollectible overdrawn accounts [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Uncollectible Overdrawn Accounts [Roll Forward]
Balance, beginning of period	$ 15,309	$ 11,823	$ 7,460
Fees	59,445	55,048	43,634
Purchase transactions	2,900	5,514	2,459
Charge-offs	(61,397)	(57,076)	(41,730)
Balance, end of period	$ 16,257	$ 15,309	$ 11,823

Loans to Bank Customers Loan Summary (Details) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, Percentage Outstanding, Total Past Due 30 Days or More	1.19%	0.02%
Total outstanding	$ 7,552	$ 10,036
Percentage outstanding, 30-59 days past due	1.18%	0.02%
Percentage outstanding, 60-89 days past due	0.01%	0.00%
Percentage outstanding, 90 days or more past due	0.00%	0.00%
Percentage outstanding, current or less than 30 days past due	95.26%	92.02%
Percentage outstanding, purchase credit-impaired loans	3.55%	7.96%
Percentage outstanding	100.00%	100.00%
Loans and Leases Receivable, Allowance	$ 475	$ 0
Mortgage Loans on Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59 days past due	88	0
60-89 days past due	0	0
90 days or more past due	0	0
Past due 30 days or more	88	0
Current or less than 30 days past due	3,139	4,983
Purchased credit-impaired loans	106	503
Total outstanding	3,333	5,486
Commercial Loan [Member]
Accounts, Notes, Loans and Financing Receivable [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	1,079	1,371
Purchased credit-impaired loans	5	44
Total outstanding	1,084	1,417
Consumer Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59 days past due	1	0
60-89 days past due	1	0
90 days or more past due	0	0
Past due 30 days or more	2	0
Current or less than 30 days past due	2,976	2,881
Purchased credit-impaired loans	157	252
Total outstanding	3,135	3,133
Loans Receivable [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
30-59 days past due	89	2
60-89 days past due	1	0
90 days or more past due	0	0
Past due 30 days or more	90	2
Current or less than 30 days past due	7,194	9,235
Purchased credit-impaired loans	268	799
Total outstanding	$ 7,552	$ 10,036

Loans to Bank Customers Nonperforming Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Nonperforming Loans [Line Items]
Loans and Leases Receivable, Net Amount	$ 7,552	$ 10,036
Nonperforming loans	387	0
Non-Classified [Member]
Nonperforming Loans [Line Items]
Loans and Leases Receivable, Net Amount	6,897	9,514
Mortgage Loans on Real Estate [Member]
Nonperforming Loans [Line Items]
Nonperforming loans	8	0
Mortgage Loans on Real Estate [Member] \| Non-Classified [Member]
Nonperforming Loans [Line Items]
Loans and Leases Receivable, Net Amount	3,219	5,125
Commercial Loan [Member]
Nonperforming Loans [Line Items]
Nonperforming loans	244	0
Commercial Loan [Member] \| Non-Classified [Member]
Nonperforming Loans [Line Items]
Loans and Leases Receivable, Net Amount	835	1,407
Consumer Loan [Member]
Nonperforming Loans [Line Items]
Nonperforming loans	135	0
Consumer Loan [Member] \| Non-Classified [Member]
Nonperforming Loans [Line Items]
Loans and Leases Receivable, Net Amount	$ 2,843	$ 2,982

Loans to Bank Customers Loans with Credit Impairment (Details) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Outstanding Loans [Line Items]
Loans and Leases Receivable, Net Amount	$ 7,552	$ 10,036
Non-Classified [Member]
Outstanding Loans [Line Items]
Loans and Leases Receivable, Net Amount	6,897	9,514
Classified [Member]
Outstanding Loans [Line Items]
Loans and Leases Receivable, Net Amount	655	522
Mortgage Loans on Real Estate [Member] \| Non-Classified [Member]
Outstanding Loans [Line Items]
Loans and Leases Receivable, Net Amount	3,219	5,125
Mortgage Loans on Real Estate [Member] \| Classified [Member]
Outstanding Loans [Line Items]
Loans and Leases Receivable, Net Amount	114	361
Commercial Loan [Member] \| Non-Classified [Member]
Outstanding Loans [Line Items]
Loans and Leases Receivable, Net Amount	835	1,407
Commercial Loan [Member] \| Classified [Member]
Outstanding Loans [Line Items]
Loans and Leases Receivable, Net Amount	249	10
Consumer Loan [Member] \| Non-Classified [Member]
Outstanding Loans [Line Items]
Loans and Leases Receivable, Net Amount	2,843	2,982
Consumer Loan [Member] \| Classified [Member]
Outstanding Loans [Line Items]
Loans and Leases Receivable, Net Amount	$ 292	$ 151

Loans to Bank Customers PCI Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Loans and Leases Receivable Disclosure [Abstract]
Unpaid principal balance	$ 729	$ 1,506
Carrying value excluding allowance for loan losses	$ 350	$ 799

Loans to Bank Customers Accretable Yield (Details) - USD ($) $ in Thousands	1 Months Ended	12 Months Ended
	Dec. 31, 2011	Dec. 31, 2012
Accounts, Notes, Loans and Financing Receivable [Line Items]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield, Additions	$ 99	$ 0
Accretable Yield Rollforward [Roll Forward]
Accretable yield	0	99
Accretion	0	(34)
Adjustments	0	62
Accretable yield	$ 99	$ 127

Loans to Bank Customers Impaired Financing Receivable (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2012 USD ($)
Mortgage Loans on Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	$ 0
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	0
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	0
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	0
Unpaid principal balance	194
Carrying value	96
Related allowance	88
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	130
Impaired Financing Receivable, with Related Allowance, Interest Income, Accrual Method	24
Average carrying value	130
Interest income recognized	24
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	194
Impaired Financing Receivable, with Related Allowance, Recorded Investment	96
Commercial Loan [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	513
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	167
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	175
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	48
Unpaid principal balance	652
Carrying value	269
Related allowance	25
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	73
Impaired Financing Receivable, with Related Allowance, Interest Income, Accrual Method	0
Average carrying value	248
Interest income recognized	48
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	139
Impaired Financing Receivable, with Related Allowance, Recorded Investment	102
Consumer Loan [Member]
Financing Receivable, Impaired [Line Items]
Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance	77
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	33
Impaired Financing Receivable, with No Related Allowance, Average Recorded Investment	35
Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method	15
Unpaid principal balance	403
Carrying value	172
Related allowance	37
Impaired Financing Receivable, with Related Allowance, Average Recorded Investment	134
Impaired Financing Receivable, with Related Allowance, Interest Income, Accrual Method	58
Average carrying value	169
Interest income recognized	73
Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance	326
Impaired Financing Receivable, with Related Allowance, Recorded Investment	$ 139

Loans to Bank Customers Troubled Debt Restructurings (Details) $ in Thousands	Dec. 31, 2012 USD ($)
Mortgage Loans on Real Estate [Member]
Loan Modifications [Line Items]
Unpaid principal balance	$ 194
Carrying value	96
Commercial Loan [Member]
Loan Modifications [Line Items]
Unpaid principal balance	280
Carrying value	136
Consumer Loan [Member]
Loan Modifications [Line Items]
Unpaid principal balance	403
Carrying value	$ 173

Loans to Bank Customers Allowance for Loan Losses (Details) - USD ($) $ in Thousands	1 Months Ended	12 Months Ended
	Dec. 31, 2011	Dec. 31, 2012	Dec. 31, 2011
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans and Leases Receivable, Allowance	$ 0	$ 475	$ 0
Allowance for Loan Losses [Roll Forward]
Allowance for loan losses, beginning of period	0	0
Provision for loans		698	0
Allowance for loan losses, end of period	0	475	$ 0
Financing Receivable, Allowance for Credit Losses, Write-downs	$ 0	$ (223)

- Definition

Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.7(d))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 30
-Section 50
-Paragraph 2
-Subparagraph (b)(1)(ii)
-URI http://asc.fasb.org/extlink&oid=6379141&loc=d3e15032-111544

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher OTS
-Name Federal Regulation (FR)
-Number Title 12
-Section 563c.102
-Paragraph 8
-Subparagraph a(ii)
-Chapter V
-Subsection I
-LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy. It 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 5
-Paragraph 8, 9
-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 SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 7
-Subparagraph d
-Article 9

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 114
-Paragraph 20
-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 SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 6
-Section L
-Subsection 1

+ Details

- Definition

The sum of the periodic provision charged to earnings, based on an assessment of uncollectibility from the counterparty on account of loan, lease or other credit losses, to reduce these accounts to the amount that approximates their net realizable value.

+ References + Details

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

Dec. 31, 2012

Dec. 31, 2011

Dec. 08, 2011

Loans and Leases Receivable Disclosure [Abstract]

Collectively evaluated for impairment, allowance for loan losses

$ 243

Financing Receivable, Collectively Evaluated for Impairment

7,140

Impaired loans and troubled debt restructurings, allowance for loan losses

^[1]

150

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

^[1]

537

Purchased credit-impaired loans, allowance for loan losses

Carrying value, gross of allowance

350

$ 799

Financing Receivable, Allowance for Credit Losses

475

$ 0

Total, carrying value, gross of allowance

$ 8,027

[1]	1 Represents loans individually evaluated for impairment

Property & Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
Property & Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Property, Plant and Equipment [Line Items]
Depreciation, Depletion and Amortization	$ 18,131	$ 12,330	$ 7,588
Property and equipment, net	58,376	27,281
Property, Plant and Equipment, Gross	94,929	56,031
Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment	36,553	28,750
Capitalized Computer Software, Net	30,286	14,642
Land [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	205	205
Building [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	543	568
Computer equipment, furniture, and office equipment [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	23,690	17,119
Software [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	10,914	6,284
Software Development [Member]
Property, Plant and Equipment [Line Items]
Depreciation, Depletion and Amortization	9,655	6,047	$ 3,833
Property, Plant and Equipment, Gross	52,501	29,673
Leasehold Improvements [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 7,076	$ 2,182

Goodwill and Intangible Assets (Details) - USD ($)	12 Months Ended
Goodwill and Intangible Assets (Details) - USD ($)	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Goodwill [Line Items]
Finite-Lived Intangible Assets, Gross	$ 926,000	$ 926,000
Goodwill [Roll Forward]
Goodwill, Acquired During Period	16,350,000	10,817,000
Goodwill, Other Changes	83,000	0
Goodwill	27,250,000	10,817,000	$ 0
Intangible Assets, Net (Excluding Goodwill)		684,000
Goodwill and Intangible Assets	30,804,000	11,501,000
Indefinite-lived Intangible Assets, Acquired During Period	3,554,000
Impairment of Intangible Assets (Excluding Goodwill)	0
Finite-Lived Intangible Assets, Accumulated Amortization	(372,000)	(242,000)
Intangible Assets, Gross Carrying Value	3,926,000	926,000
Indefinite-Lived Intangible Assets (Excluding Goodwill)	$ 3,000,000	$ 0

Deposits Summary of Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Summary of Deposits [Line Items]
Noninterest-bearing GRP Deposits	$ 165,739	$ 51
Demand deposit	16,138	19,095
Non-interest bearing deposit accounts	181,877	19,146
Deposits, Negotiable Order of Withdrawal (NOW)	1,860	1,612
Deposits, Savings Deposits	5,986	7,118
Time Deposits, $100,000 or More	6,417	1,381
Time Deposits, Less than $100,000	2,311	9,700
Interest-bearing Deposit Liabilities	16,574	19,811
Deposits	$ 198,451	$ 38,957

Deposits Contractual Maturities (Details) $ in Thousands	Dec. 31, 2012 USD ($)
Time Deposit Maturities, Next Twelve Months	$ 4,592
Time Deposit Maturities, Year Two	783
Time Deposit Maturities, Year Three	1,687
Time Deposit Maturities, Year Four	982
Time Deposit Maturities, Year Five	684
Time Deposit Maturities, after Year Five	0
Time Deposits	$ 8,728

Stockholders' Equity (Details) - USD ($)	12 Months Ended			48 Months Ended
Stockholders' Equity (Details) - USD ($)	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010	Apr. 30, 2014	Dec. 08, 2011	Dec. 13, 2010	May 02, 2010	Dec. 31, 2009
Class of Stock [Line Items]
Preferred stock, shares authorized		10,085
Series A Conversion, Criteria 3		50.00%
Voting Threshold	24.90%
Reduced Voting Power	14.90%
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period	(412,000)		936,301
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price	$ 12.03					$ 4.32
Proceeds from Stock Options Exercised	$ 6,288,000	$ 9,091,000	$ 4,000,000
Minimum Anticipated Sales Price To Request Form S-3 Registration		$ 1,000,000
Common Class B [Member]
Class of Stock [Line Items]
Conversion of Stock, Shares Converted Class B to Series A Preferred		6,859,000
Common Stock, Shares, Issued	4,197,000	5,280,000	27,091,000					12,860,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period	412,000	344,000
Proceeds from Stock Options Exercised	$ 0	$ 0
Nonredeemable Convertible Preferred Stock [Member]
Class of Stock [Line Items]
Preferred Stock, Shares Issued					6,859
Preferred Stock, Redemption Price Per Share		$ 0.01
Series A Conversion, Criteria 2		2.00%
Convertible Preferred Stock, Shares Issued upon Conversion		1,000
Common Class A [Member]
Class of Stock [Line Items]
Common Stock, Shares, Issued	31,798,000	30,162,000	14,762,000					0
Public Offering, Shares Sold						4,269,051
Public Offering, Offering Price						$ 61.00
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period	141,000	104,000
Proceeds from Stock Options Exercised	$ 0	$ 2,000
Walmart [Member] \| Common Class A [Member]
Class of Stock [Line Items]
Common Stock, Shares, Issued	2,208,552						2,208,552
Walmart Repurchase Price							$ 0.01
Shares, Monthly Vesting, Amount	36,810						36,810
Walmart Contract Agreement Period				60 months
Unvested Walmart Shares	3,426,765
Sales Volume or Revenue Based Warrant [Member]
Class of Stock [Line Items]
Class of Warrant or Right, Exercise Price of Warrants or Rights	$ 23.70
Warrants and Rights Outstanding	$ 0
Additional Warrant [Member]
Class of Stock [Line Items]
Class of Warrant or Right, Number of Securities Called by Warrants or Rights	856,691
Stock Options [Member] \| Walmart [Member] \| Common Class A [Member]
Class of Stock [Line Items]
Unvested Walmart Shares	1,030,632

Stockholders' Equity Comprehensive Income (Details) - USD ($)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
Other Comprehensive Income (Loss), Available-for-sale Securities, Tax	$ 46,000	$ 18,000

Employee Stock-Based Compensation Share-Based Compensation Description (Details) - shares	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2010
2001 Stock Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period	4 years
2001 Stock Plan [Member] \| Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Date	5 years
2001 Stock Plan [Member] \| Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Date	10 years
2010 Equity Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period	4 years
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized		2,000,000
Share-based Compensation Arrangement by Share-based Payment Award, Evergreen Percentage		3.00%
2010 Equity Incentive Plan [Member] \| Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Date	5 years
2010 Equity Incentive Plan [Member] \| Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Date	10 years
2010 Employee Stock Purchase Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized		200,000
Share-based Compensation Arrangement by Share-based Payment Award, Evergreen Percentage		1.00%

Employee Stock-Based Compensation Grant Summary (Details) - $ / shares shares in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Restricted Stock Units (RSUs) [Member]
Grants [Abstract]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period	613	111	0
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value	$ 14.14	$ 33.46	$ 0.00
Stock Options [Member]
Grants [Abstract]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross	2,247	889	349
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price	$ 19.35	$ 38.70	$ 32.38
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value	$ 8.92	$ 18.62	$ 15.66
Fair value assumptions [Abstract]
Risk-free interest rate	0.97%	2.06%	2.18%
Expected term (life) of options (in years)	6 years 26 days	6 years 22 days	5 years 336 days
Expected dividends	0.00%	0.00%	0.00%
Expected volatility	47.51%	48.32%	49.41%

Employee Stock-Based Compensation Stock-Based Retailer Incentive Compensation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010	May 02, 2010	Dec. 31, 2009
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based retailer incentive compensation	$ 8,251	$ 17,337	$ 13,369
Total stock-based compensation expense	12,734	9,524	7,256
Common Class A [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based retailer incentive compensation	$ 0	$ 0	$ 0
Common Stock, Shares, Issued	31,798,000	30,162,000	14,762,000		0
Walmart [Member] \| Common Class A [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Common Stock, Shares, Issued	2,208,552			2,208,552
Shares, Monthly Vesting, Amount	36,810			36,810

Employee Stock-Based Compensation Option Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010	Dec. 13, 2010
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period, Total Intrinsic Value	$ 8,500	$ 4,400	$ 76,800
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant	1,300,000
Stock-based retailer incentive compensation	$ 8,251	$ 17,337	$ 13,369
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number	5,717,000	4,756,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price	$ 15.72	$ 15.79
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Remaining Contractual Term	6 years 95 days
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Intrinsic Value	$ 15,873
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period	(412,000)		936,301
Share-based Compensation Arrangements by Share-based Payment Award, Options, Exercises in Period, Weighted Average Exercise Price	$ 4.93
Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures and Expirations in Period [Abstract]	(874,000)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures and Expirations in Period, Weighted Average Exercise Price [Abstract]	$ 30.51
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding, Number	5,570,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding, Weighted Average Exercise Price	$ 15.62
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Outstanding, Weighted Average Remaining Contractual Term	6 years 62 days
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Aggregate Intrinsic Value	$ 15,841
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number	3,328,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price	$ 12.03			$ 4.32
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Remaining Contractual Term	4 years 66 days
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Intrinsic Value	$ 15,583
Stock Options [Member]
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross	2,247,000	889,000	349,000
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price	$ 19.35	$ 38.70	$ 32.38

Employee Stock-Based Compensation Restricted Stock Units (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Millions	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period, Total Fair Value	$ 0.4
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Outstanding, Number	616	110
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value	$ 15.10	$ 33.46
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Granted	613
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value	$ 14.14
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Forfeitures and Expirations	(27)
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeitures, Weighted Average Grant Date Fair Value	$ 33.58
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Exercised	(80)
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value	$ 26.60

Employee Stock-Based Compensation Share-Based Compensation Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized, Stock Options	$ 19,000
Share-based Compensation	12,734	$ 9,524	$ 7,256
Allocated Share-based Compensation Expense	1,465	$ 1,890	$ 1,281
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized, Share-based Awards Other than Options	$ 7,400
Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized, Period for Recognition	2 years 329 days
Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized Period For Recognition, Restricted Stock	3 years

- Definition

Represents the expense recognized during the period arising from equity-based compensation arrangements (for example, shares of stock, unit, stock options or other equity instruments) with employees, directors and certain consultants qualifying for treatment as employees.

+ References + Details

Income Taxes Schedule of Income Tax (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Current Federal Tax Expense (Benefit)	$ 21,322	$ 29,583	$ 26,638
Current State and Local Tax Expense (Benefit)	1,805	2,096	1,466
Current Income Tax Expense (Benefit)	23,127	31,679	28,104
Deferred Federal Income Tax Expense (Benefit)	5,931	251	(579)
Deferred State and Local Income Tax Expense (Benefit)	(139)	0	(125)
Deferred Income Tax Expense (Benefit)	5,792	251	(704)
Income Tax Expense (Benefit), Continuing Operations	$ 28,919	$ 31,930	$ 27,400
Minimum [Member]
Income Tax Examination, Description	4
Maximum [Member]
Income Tax Examination, Description	5

Income Taxes Effective Tax Rate Reconciliation (Details)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Effective Income Tax Rate, Continuing Operations, Tax Rate Reconciliation [Abstract]
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate	35.00%	35.00%	35.00%
Effective Income Tax Rate Reconciliation, State and Local Income Taxes	1.90%	1.60%	3.80%
Effective Income Tax Rate Reconciliation, Change in Enacted Tax Rate	0.00%	0.00%	(4.60%)
Effective Income Tax Rate Reconciliation, Nondeductible Expense, Offering Costs	0.00%	0.00%	2.40%
Effective Income Tax Rate Reconciliation, Nondeductible Expense, Share-based Compensation Cost	1.40%	1.20%	0.70%
Effective Income Tax Rate Reconciliation, Other Adjustments	(0.10%)	0.20%	2.00%
Effective Income Tax Rate, Continuing Operations	38.20%	38.00%	39.30%
Effective Tax Rate Excluding Certain Discrete Items			41.50%

Income Taxes Schedule of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	144 Months Ended
	Dec. 31, 2024	Dec. 31, 2012	Dec. 31, 2011
Tax Credit Carryforward, Expiration Date	After 2024
Deferred Tax Assets, Net of Valuation Allowance, Current		$ 2,478	$ 6,664
Deferred Tax Assets, Net of Valuation Allowance, Noncurrent		4,629	0
Deferred Tax Liabilities, Gross, Noncurrent		0	4,751
Deferred Tax Assets, Operating Loss Carryforwards		13,655	120
Deferred Tax Assets, Tax Deferred Expense, Compensation and Benefits, Share-based Compensation Cost		7,057	4,236
Deferred Tax Assets, Reserve for Overdrawn Accounts		6,130	5,726
Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals, Accrued Liabilities		3,191	717
Deferred Tax Assets, Purchase Accounting Adjustment		494	1,276
Deferred Tax Assets, Other		778	697
Deferred Tax Assets, Gross		31,305	12,772
Deferred Tax Assets, Valuation Allowance		(1,262)	0
Deferred Tax Assets, Net of Valuation Allowance		30,043	12,772
Deferred Tax Liabilities, Deferred Expense, Capitalized Software		9,986	3,669
Deferred Tax Liabilities, Property, Plant and Equipment		6,013	3,022
Deferred Tax Liabilities, Deferred Expense		4,013	3,987
Deferred Tax Liabilities, Intangible Assets		1,386	103
Deferred Revenue		1,063	78
Deferred Tax Liabilities, Other		475	0
Deferred Tax Liabilities, Net		22,936	10,859
Deferred Tax Assets, Net		7,107	$ 1,913
General Business Tax Credit Carryforward [Member]
Tax Credit Carryforward, Expiration Date	After 2024
Deferred Tax Assets, Gross		306
Deferred Tax Assets, Valuation Allowance		$ 306

Income Taxes Summary of DTA Valuation Allowance (Details) - USD ($) $ in Thousands	144 Months Ended
	Dec. 31, 2024	Dec. 31, 2012	Dec. 31, 2011
Valuation Allowance [Line Items]
Deferred Tax Assets, Operating Loss Carryforwards		$ 13,655	$ 120
Operating Loss Carryforwards, Valuation Allowance		(956)
Deferred Tax Assets, Gross		31,305	12,772
Deferred Tax Assets, Valuation Allowance		1,262	$ 0
Operating Loss Carryforwards		12,699
Tax Credit Carryforward, Expiration Date	After 2024
General Business Tax Credit Carryforward [Member]
Valuation Allowance [Line Items]
Deferred Tax Assets, Gross		306
Deferred Tax Assets, Valuation Allowance		(306)
Operating Loss Carryforwards		$ 0
Tax Credit Carryforward, Expiration Date	After 2024

- Definition

The portion of the valuation allowance pertaining to the deferred tax asset representing potential future taxable deductions from net operating loss carryforwards for which it is more likely than not that a tax benefit will not be realized.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 3
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32559-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 30
-Paragraph 5
-Subparagraph (e)
-URI http://asc.fasb.org/extlink&oid=6907311&loc=d3e30536-109315

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32537-109319

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 109
-Paragraph 48
-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 109
-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 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 109
-Paragraph 17
-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.

+ Details

Income Taxes Rollforward of Unrecognized Tax Benefits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010	Dec. 31, 2009
Income Tax Contingency [Line Items]
Unrecognized Tax Benefits	$ 1,481	$ 0	$ 0	$ 0
Unrecognized Tax Benefits, Increases Resulting from Prior Period Tax Positions	970	0	0
Unrecognized Tax Benefits, Increases Resulting from Current Period Tax Positions	511	0	0
Unrecognized Tax Benefits that Would Impact Effective Tax Rate	$ 1,481	$ 0	$ 0

Earnings per Common Share Basic Earnings Per Share (Details) - USD ($) $ in Thousands	3 Months Ended							12 Months Ended
	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Sep. 30, 2011	Jun. 30, 2011	Mar. 31, 2011	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Basic earnings per common share [Line Items]
Net Income (Loss) Attributable to Parent	$ 10,370	$ (1,001)	$ (1,022)	$ (748)	$ 13,303	$ 12,070	$ 12,701	$ 47,219	$ 52,083	$ 42,232
Basic net income [Abstract]
Income attributable to preferred stock								$ (7,599)	$ (558)	$ (14,659)

- Definition

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

+ References

+ Details

Earnings per Common Share Diluted Earnings Per Share (Details) - USD ($) $ in Thousands	3 Months Ended							12 Months Ended
	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Sep. 30, 2011	Jun. 30, 2011	Mar. 31, 2011	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Diluted earnings per common share [Line Items]
Net Income (Loss) Attributable to Parent	$ 10,370	$ (1,001)	$ (1,022)	$ (748)	$ 13,303	$ 12,070	$ 12,701	$ 47,219	$ 52,083	$ 42,232
Diluted earnings per common share [Abstract]
Income attributable to preferred stock								$ (7,599)	$ (558)	$ (14,659)

- Definition

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

+ References

+ Details

Earnings per Common Share Antidilutive Shares (Details) - shares shares in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Common Class A [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	8,293	709	22
Common Class A [Member] \| Stock Options [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	1,408	258	22
Common Class A [Member] \| Restricted Stock Units (RSUs) [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	26	0	0
Common Class A [Member] \| Convertible preferred stock [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	6,859	451	0
Common Class B [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	122	5	13,814
Common Class B [Member] \| Stock Options [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	122	5	11
Common Class B [Member] \| Convertible preferred stock [Member]
Antidilutive Shares [Line Items]
Antidilutive shares	0	0	13,803

- 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 Accounting Standards Codification
-Glossary Antidilution
-URI http://asc.fasb.org/extlink&oid=6505113

Reference 2: 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 3: 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 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 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 6: 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 7: 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.

Reference 8: 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.

+ Details

Earnings per Common Share Other (Details)	Dec. 31, 2012 shares
Earnings Per Share, Diluted, by Common Class, Including Two Class Method [Line Items]
Unvested warrant	4,283,456
Walmart [Member] \| Common Class A [Member]
Earnings Per Share, Diluted, by Common Class, Including Two Class Method [Line Items]
Unvested Walmart Shares	3,426,765
Walmart [Member] \| Stock Options [Member] \| Common Class A [Member]
Earnings Per Share, Diluted, by Common Class, Including Two Class Method [Line Items]
Unvested Walmart Shares	1,030,632

Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Fair Value Disclosures [Abstract]
Loans and Leases Receivable, Net Amount	$ 7,552	$ 10,036
Loans to Bank Customers - Fair Value	5,719	10,036
Deposits	198,451	38,957
Deposits - fair value	$ 198,369	$ 38,957

Borrowing Agreements (Details) - USD ($) $ in Thousands	8 Months Ended	12 Months Ended
Borrowing Agreements (Details) - USD ($) $ in Thousands	Nov. 30, 2012	Mar. 31, 2012	Dec. 31, 2011
Line of Credit Facility [Line Items]
Line of Credit Facility, Maximum Amount Outstanding During Period	$ 10,000	$ 10,000
Line of Credit, Cash Collateral	$ 10,000	$ 10,000
Debt Instrument, Description of Variable Rate Basis	LIBOR + 2.00%	LIBOR + 2.00%
Line of Credit Facility, Amount Outstanding			$ 0

Concentrations of Credit Risk (Details)	12 Months Ended
Concentrations of Credit Risk (Details)	Dec. 31, 2012
Utah [Member]
Concentration Risk [Line Items]
Concentration Risk, Credit Risk, Financial Instruments	92.50%
Provo, Utah [Member]
Concentration Risk [Line Items]
Concentration Risk, Credit Risk, Financial Instruments	39.40%

Defined Contribution Plan (Details) $ in Millions	12 Months Ended
Defined Contribution Plan (Details) $ in Millions	Dec. 31, 2012 USD ($) Age	Dec. 31, 2011 USD ($)	Dec. 31, 2010 USD ($)
Defined Benefit Plan Disclosure [Line Items]
Defined Contribution Plan, Cost Recognized \| $	$ 1.2	$ 0.9	$ 0.7
Defined Benefit Plan, Contributions by Employer	50.00%
Minimum Age \| Age	21
Maximum [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Contributions by Employer	6.00%

Commitments and Contingencies Lease Expense (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Rental Expense [Abstract]
Operating Leases, Rent Expense, Net	$ 6.4	$ 2.6	$ 1.8

Commitments and Contingencies Minimum Aggregate Lease Commitment (Details) $ in Thousands	Dec. 31, 2012 USD ($)
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]
Operating Leases, Future Minimum Payments Due, Next Twelve Months	$ 4,502
Capital Leases, Future Minimum Payments Due in Two Years	4,196
Capital Leases, Future Minimum Payments Due in Three Years	4,642
Capital Leases, Future Minimum Payments Due in Four Years	4,768
Operating Leases, Future Minimum Payments, Due in Five Years	4,260
Capital Leases, Future Minimum Payments Due Thereafter	21,353
Operating Leases, Future Minimum Payments Due	$ 43,721

Commitments and Contingencies Minimum Aggregate Purchase Obligation (Details) $ in Thousands	Dec. 31, 2012 USD ($)
Purchase Obligation, Fiscal Year Maturity [Abstract]
Purchase Obligation, Due in Next Twelve Months	$ 10,556
Purchase Obligation, Due in Second Year	5,277
Purchase Obligation, Due in Third Year	1,910
Purchase Obligation, Due in Fourth Year	6,550
Purchase Obligation, Due in Fifth Year	1,625
Purchase Obligation, Due after Fifth Year	15,750
Purchase Obligation	$ 41,668

Significant Customer Concentrations Significant Customer Concentrations (Details) - Customer Concentration Risk [Member]	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Total Operating Revenues [Member] \| Walmart [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	64.00%	61.00%	63.00%
Total Operating Revenues [Member] \| Three Other Largest Retailer Distributors, as a Group [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	20.00%	20.00%	20.00%
Total Operating Revenues, Excluding Stock-Based Retailer Incentive Compensation [Member] \| Walmart [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	65.00%	62.00%	64.00%
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%	18.00%
GPR Cards Activated (in units) [Member] \| Four Largest Retailers Distributors [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	87.00%	80.00%	84.00%
Sales of Cash Transfer Products (in units) [Member] \| Four Largest Retailers Distributors [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	88.00%	90.00%	93.00%
Settlement Assets [Member] \| Walmart [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	35.00%	33.00%
Settlement Assets [Member] \| Three Other Largest Retailer Distributors, as a Group [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	38.00%	39.00%

Significant Customer Concentrations Stock-Based Retailer Incentive Compensation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Significant Customer Concentrations [Abstract]
Stock-based retailer incentive compensation	$ 8,251	$ 17,337	$ 13,369

Regulatory Requirements (Details) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Tier One Leverage Capital	$ 289,323	$ 228,971
Tier One Leverage Capital to Average Assets	47.80%	69.10%
Tier One Leverage Capital Required to be Well Capitalized	$ 30,266	$ 16,578
Tier One Leverage Capital Required to be Well Capitalized to Average Assets	5.00%	5.00%
Tier One Risk Based Capital	$ 289,323	$ 228,971
Tier One Risk Based Capital to Risk Weighted Assets	84.30%	80.70%
Tier One Risk Based Capital Required to be Well Capitalized	$ 20,591	$ 13,738
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets	6.00%	6.00%
Capital	$ 289,323	$ 228,971
Capital to Risk Weighted Assets	84.30%	80.70%
Capital Required to be Well Capitalized	$ 34,318	$ 28,374
Capital Required to be Well Capitalized to Risk Weighted Assets	10.00%	10.00%

Selected Quarterly Financial Information Selected Quarterly Financial Information (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								8 Months Ended	12 Months Ended
	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2011	Sep. 30, 2011	Jun. 30, 2011	Mar. 31, 2011	Nov. 30, 2012	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Revenue, Net	$ 137,302	$ 132,759		$ 141,181	$ 119,674	$ 115,387	$ 115,030	$ 117,307	$ 135,043
Operating Expenses	122,812	117,882		115,543	97,388	94,079	95,680	96,802	117,908	$ 474,145	$ 383,949	$ 294,569
Operating Income (Loss)	14,490	14,877		25,638	22,286	21,308	19,350	20,505	17,135	72,140	83,449	69,319
Interest Income (Expense), Net	933	962		935	192	134	136	102	1,168
Income before income taxes	15,423	15,839		26,573	$ 22,478	21,442	19,486	20,607	$ 18,303	76,138	84,013	69,632
Income Tax Expense (Benefit)	5,053	(648)	$ 699	(467)		8,139	7,416	7,906		28,919	31,930	27,400
Net Income (Loss) Attributable to Parent	$ 10,370	$ (1,001)	$ (1,022)	$ (748)		$ 13,303	$ 12,070	$ 12,701		47,219	52,083	42,232
Common Class A [Member]
Net Income (Loss) Attributable to Parent										$ 0	$ 0	$ 0
Earnings Per Share, Basic, Undistributed	$ 0.24	$ (0.02)	$ (0.02)	$ (0.01)		$ 0.32	$ 0.29	$ 0.30		$ 1.11	$ 1.24	$ 1.06
Earnings Per Share, Diluted, Undistributed	0.24	(0.02)	$ (0.02)	(0.02)		0.30	0.27	0.29	$ 0.25	$ 1.07	$ 1.19	$ 0.98
Common Class B [Member]
Net Income (Loss) Attributable to Parent										$ 0	$ 0	$ 0
Earnings Per Share, Basic, Undistributed	0.24	0.23		0.39	$ 0.33	0.32	0.29	0.30	0.26	$ 1.11	$ 1.24	$ 1.06
Earnings Per Share, Diluted, Undistributed	$ 0.24	$ 0.22		$ 0.37	$ 0.33	$ 0.30	$ 0.27	$ 0.29	$ 0.25	$ 1.07	$ 1.19	$ 0.98
Restatement Adjustment [Member]
Income Tax Expense (Benefit)		$ 6,227	$ 7,434	$ 10,205	$ 8,470
Net Income (Loss) Attributable to Parent		$ 9,612	$ 10,869	$ 16,368	$ 14,008
Restatement Adjustment [Member] \| Common Class A [Member]
Earnings Per Share, Basic, Undistributed		$ 0.23	$ 0.26	$ 0.39	$ 0.33
Earnings Per Share, Diluted, Undistributed		$ 0.22	$ 0.25	$ 0.37	$ 0.33

Selected Quarterly Financial Information Correction of Error Quarterly Information (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								8 Months Ended	12 Months Ended
	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2011	Sep. 30, 2011	Jun. 30, 2011	Mar. 31, 2011	Nov. 30, 2012	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Retained Earnings (Accumulated Deficit)	$ 168,960				$ 121,741					$ 168,960	$ 121,741
Card revenues and other fees		$ (1,590)	$ (1,638)	$ (1,151)						224,745	209,489	$ 167,375
Other General and Administrative Expense		59	83	64						71,900	56,578	44,599
Income Tax Expense (Benefit)	(5,053)	648	(699)	467		$ (8,139)	$ (7,416)	$ (7,906)		(28,919)	(31,930)	(27,400)
Net Income (Loss) Attributable to Parent	10,370	(1,001)	(1,022)	(748)		$ 13,303	$ 12,070	$ 12,701		47,219	52,083	42,232
Accounts Receivable, Net	50,792				45,454					50,792	45,454
Income Taxes Receivable, Current	7,386				3,371					7,386	3,371
Amounts due to card issuing banks for overdrawn accounts	$ 50,724				42,153					50,724	42,153
Adjustments for Error Correction [Member]
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Retained Earnings (Accumulated Deficit)		(2,771)	(1,770)	(748)
Accounts Receivable, Net		1,435	1,645	1,436
Income Taxes Receivable, Current		1,814	1,166	467
Amounts due to card issuing banks for overdrawn accounts		6,020	4,581	2,651
Scenario, Previously Reported [Member]
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Retained Earnings (Accumulated Deficit)		161,361	150,748	138,857
Card revenues and other fees		54,138	59,500	62,373
Other General and Administrative Expense		18,050	17,915	15,904
Income Tax Expense (Benefit)		(6,875)	(8,133)	(10,672)
Net Income (Loss) Attributable to Parent		10,613	11,891	17,116
Accounts Receivable, Net		43,428	44,637	46,996
Income Taxes Receivable, Current		825	2,705	1,612
Amounts due to card issuing banks for overdrawn accounts		49,117	45,651	42,947
Restatement Adjustment [Member]
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Retained Earnings (Accumulated Deficit)		158,590	148,978	138,109
Card revenues and other fees		52,548	57,862	61,222
Other General and Administrative Expense		18,109	17,998	15,968
Income Tax Expense (Benefit)		(6,227)	(7,434)	(10,205)	(8,470)
Net Income (Loss) Attributable to Parent		9,612	10,869	16,368	$ 14,008
Accounts Receivable, Net		44,863	46,282	48,432
Income Taxes Receivable, Current		2,639	3,871	2,079
Amounts due to card issuing banks for overdrawn accounts		$ 55,137	$ 50,232	$ 45,598
Common Class A [Member]
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Net Income (Loss) Attributable to Parent										$ 0	$ 0	$ 0
Earnings Per Share, Basic, Undistributed	$ 0.24	$ (0.02)	$ (0.02)	$ (0.01)		$ 0.32	$ 0.29	$ 0.30		$ 1.11	$ 1.24	$ 1.06
Earnings Per Share, Diluted, Undistributed	$ 0.24	(0.02)	(0.02)	(0.02)		$ 0.30	$ 0.27	$ 0.29	$ 0.25	$ 1.07	$ 1.19	$ 0.98
Common Class A [Member] \| Scenario, Previously Reported [Member]
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Earnings Per Share, Basic, Undistributed		0.25	0.28	0.40
Earnings Per Share, Diluted, Undistributed		0.24	0.27	0.39
Common Class A [Member] \| Restatement Adjustment [Member]
Error Corrections and Prior Period Adjustments Restatement [Line Items]
Earnings Per Share, Basic, Undistributed		0.23	0.26	0.39	$ 0.33
Earnings Per Share, Diluted, Undistributed		$ 0.22	$ 0.25	$ 0.37	$ 0.33

Label

Element

Value

Expenses [Table Text Block]

gdot_ExpensesTableTextBlock

Our sales commissions, advertising and marketing expenses and manufacturing and distributing costs were as follows:



	Year Ended December 31,
	2012		2011		2010
	(In thousands)
Sales commissions	$	145,462	$	121,430	$	82,418
Advertising and marketing expenses	21,765		14,673		15,604
Manufacturing and distributing costs	42,643		32,644		24,868
Sales and marketing expenses	$	209,870	$	168,747	$	122,890

Common Class B [Member]

Undistributed Earnings, Diluted

us-gaap_UndistributedEarningsDiluted

$ 24,366,000

Undistributed Earnings, Diluted

us-gaap_UndistributedEarningsDiluted

6,592,000

Undistributed Earnings, Diluted

us-gaap_UndistributedEarningsDiluted

23,585,000

Re-Allocated Earnings

gdot_ReAllocatedEarnings

1,437,000

Re-Allocated Earnings

gdot_ReAllocatedEarnings

1,273,000

Re-Allocated Earnings

gdot_ReAllocatedEarnings

$ 1,673,000

Incremental Common Shares Attributable to Call Options and Warrants

us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants

Incremental Common Shares Attributable to Call Options and Warrants

us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants

Incremental Common Shares Attributable to Call Options and Warrants

us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants

146,000

Undistributed Earnings, Basic

us-gaap_UndistributedEarnings

$ 22,929,000

Undistributed Earnings, Basic

us-gaap_UndistributedEarnings

21,912,000

Undistributed Earnings, Basic

us-gaap_UndistributedEarnings

5,319,000

Common Class A [Member]

Undistributed Earnings, Diluted

us-gaap_UndistributedEarningsDiluted

50,052,000

Undistributed Earnings, Diluted

us-gaap_UndistributedEarningsDiluted

27,300,000

Undistributed Earnings, Diluted

us-gaap_UndistributedEarningsDiluted

38,513,000

Re-Allocated Earnings

gdot_ReAllocatedEarnings

(1,036,000)

Re-Allocated Earnings

gdot_ReAllocatedEarnings

(980,000)

Re-Allocated Earnings

gdot_ReAllocatedEarnings

$ (231,000)

Incremental Common Shares Attributable to Conversions of Other Classes of Common Stock

gdot_IncrementalCommonSharesAttributableToConversionsOfOtherClassesOfCommonStock

19,822,000

Incremental Common Shares Attributable to Conversions of Other Classes of Common Stock

gdot_IncrementalCommonSharesAttributableToConversionsOfOtherClassesOfCommonStock

6,150,000

Incremental Common Shares Attributable to Conversions of Other Classes of Common Stock

gdot_IncrementalCommonSharesAttributableToConversionsOfOtherClassesOfCommonStock

24,796,000

Allocated Earnings To Participating Securities, Net of Re-Allocated Earnings

gdot_AllocatedEarningsToParticipatingSecuritiesNetOfReAllocatedEarnings

$ 23,585,000

Allocated Earnings To Participating Securities, Net of Re-Allocated Earnings

gdot_AllocatedEarningsToParticipatingSecuritiesNetOfReAllocatedEarnings

6,592,000

Allocated Earnings To Participating Securities, Net of Re-Allocated Earnings

gdot_AllocatedEarningsToParticipatingSecuritiesNetOfReAllocatedEarnings

24,366,000

Undistributed Earnings, Basic

us-gaap_UndistributedEarnings

32,901,000

Undistributed Earnings, Basic

us-gaap_UndistributedEarnings

3,165,000

Undistributed Earnings, Basic

us-gaap_UndistributedEarnings

$ 27,503,000

Restricted Stock Units (RSUs) [Member] | Common Class A [Member]

Incremental Common Shares Attributable to Share-based Payment Arrangements

us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements

Incremental Common Shares Attributable to Share-based Payment Arrangements

us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements

43,000

Incremental Common Shares Attributable to Share-based Payment Arrangements

us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements

3,000

Employee Stock [Member] | Common Class A [Member]

Incremental Common Shares Attributable to Share-based Payment Arrangements

us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements

6,000

Incremental Common Shares Attributable to Share-based Payment Arrangements

us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements

22,000

Incremental Common Shares Attributable to Share-based Payment Arrangements

us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements

2,000

Employee Stock Option [Member] | Common Class B [Member]

Incremental Common Shares Attributable to Share-based Payment Arrangements

us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements

2,104,000

Incremental Common Shares Attributable to Share-based Payment Arrangements

us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements

1,349,000

Incremental Common Shares Attributable to Share-based Payment Arrangements

us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements

3,061,000

Employee Stock Option [Member] | Common Class A [Member]

Incremental Common Shares Attributable to Share-based Payment Arrangements

us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements

20,000

Incremental Common Shares Attributable to Share-based Payment Arrangements

us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements

Incremental Common Shares Attributable to Share-based Payment Arrangements

us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements

Common Class B [Member] | Common Class A [Member]

Undistributed Earnings Allocated to Participating Securities

us-gaap_UndistributedEarningsAllocatedToParticipatingSecurities

$ 24,022,000

Undistributed Earnings Allocated to Participating Securities

us-gaap_UndistributedEarningsAllocatedToParticipatingSecurities

6,719,000

Undistributed Earnings Allocated to Participating Securities

us-gaap_UndistributedEarningsAllocatedToParticipatingSecurities

24,408,000

Common Class A [Member] | Common Class B [Member]

Undistributed Earnings Allocated to Participating Securities

us-gaap_UndistributedEarningsAllocatedToParticipatingSecurities

4,644,000

Undistributed Earnings Allocated to Participating Securities

us-gaap_UndistributedEarningsAllocatedToParticipatingSecurities

34,301,000

Undistributed Earnings Allocated to Participating Securities

us-gaap_UndistributedEarningsAllocatedToParticipatingSecurities

$ 29,613,000

Fair Value Measurements Fair Value Heirarchy (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2012 USD ($)	Dec. 31, 2011 USD ($)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Equity Level Transfer	0
Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	$ 0	$ 0
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	183,787	31,210
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Fair value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	183,787	31,210
Corporate Debt Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Corporate Debt Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	37,357	16,333
Corporate Debt Securities [Member] \| Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Corporate Debt Securities [Member] \| Fair value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	37,357	16,333
Commercial Paper, Not Included with Cash and Cash Equivalents [Member] \| Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Commercial Paper, Not Included with Cash and Cash Equivalents [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	55,748	4,999
Commercial Paper, Not Included with Cash and Cash Equivalents [Member] \| Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Commercial Paper, Not Included with Cash and Cash Equivalents [Member] \| Fair value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	55,748	4,999
Certificates of Deposit [Member] \| Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Certificates of Deposit [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	4,414	3,500
Certificates of Deposit [Member] \| Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Certificates of Deposit [Member] \| Fair value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	4,414	3,500
US Treasury Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0
US Treasury Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	22,267
US Treasury Securities [Member] \| Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0
US Treasury Securities [Member] \| Fair value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	22,267
US Government Agencies Debt Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
US Government Agencies Debt Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	25,867	3,987
US Government Agencies Debt Securities [Member] \| Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
US Government Agencies Debt Securities [Member] \| Fair value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	25,867	3,987
US States and Political Subdivisions Debt Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
US States and Political Subdivisions Debt Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	11,568	2,391
US States and Political Subdivisions Debt Securities [Member] \| Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
US States and Political Subdivisions Debt Securities [Member] \| Fair value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	11,568	$ 2,391
Asset-backed Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0
Asset-backed Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	26,566
Asset-backed Securities [Member] \| Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0
Asset-backed Securities [Member] \| Fair value [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	$ 26,566