A report by the Pew Charitable Trusts finds that reloadable prepaid cards are rising in popularity among consumers, particularly the unbanked. Unbanked consumers increasingly treat their cards as checking accounts, using them to receive direct deposits and pay bills. Prepaid card usage increased 50 percent between 2012 and 2014 and 23 million adults in America now use prepaid cards regularly. Much of this growth occurred among consumers with bank accounts who purchased a card at their bank or credit union. Among the risks of the new trend: the report found that many consumers did not fully understand their cards' liability limitations for unauthorized transactions or the binding arbitration clauses mandated by most prepaid cards.