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According to the Pew Internet and American Life Project, 55% of all internet users shop or pay bills online. The remaining 45% represent a huge untapped market.

Some people avoid online transactions because they’re concerned about identity theft. Many consumers can’t shop online because they do not have a bank card. In fact, an estimated 12 million American households don’t have a bank account.*

What if there was a way to get the functionality of a bank card with no transaction fees and better protection against identity theft—even for cardholders without a bank account?

*The Economist magazine, May 4, 2006

The Alliance Answer

Alliance Card programs work like a prepaid gift card, without fees and expiration dates. Consumers can:

• Use the card online just like a bankcard
• Limit financial exposure and protect sensitive personal information
• Add cash to the card instantly by presenting payment at a participating merchant or online
• Track spending online in real time
• Earn cash rebates with every purchase, plus a matching rebate for the cardholder’s nonprofit choice

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