REVENUES (Tables)

9 Months Ended

Sep. 30, 2022

Revenue from Contract with Customer [Abstract]

Disaggregation of Revenue

The Company has one reportable segment and all revenues are earned in the U.S.

	Three Months Ended September 30,				Nine Months Ended September 30,
(amounts in thousands)	2022		2021		2022		2021
Revenues:
Revenue recognized at point in time:
Interchange and card revenue	$	5,325	$	6,529	$	17,283	$	21,530
Servicing fees from Partner Bank	10,163		11,823		37,650		31,774
Account fees	2,110		2,569		6,872		7,847
University fees - disbursement activity	175		380		932		918
Other	903		446		1,702		4,164
Total revenue recognized at point in time	18,676		21,747		64,439		66,233
Revenue recognized over time:
University fees - subscriptions	1,182		1,094		3,474		3,211
Total revenue recognized over time	1,182		1,094		3,474		3,211
Total revenues	$	19,858	$	22,841	$	67,913	$	69,444

Deferred Revenue Balances

The deferred revenue balances were as follows:

(amounts in thousands)	September 30, 2022		December 31, 2021
Deferred revenue (current and non-current)	$	11,264	$	15,577