REVENUES (Tables)

3 Months Ended

Mar. 31, 2021

Revenue from Contract with Customer [Abstract]

Disaggregation of Revenue

The table below presents the Company’s revenues disaggregated by nature of the revenue stream and the pattern or timing of revenue recognition for the periods indicated. The Company has one reportable segment and all revenues are earned in the U.S.

	Three Months Ended March 31,
(amounts in thousands)	2021		2020
Revenues from contracts with customers:
Revenue recognized at point in time:
Interchange and card revenue	$	8,351	$	6,607
Servicing fees from partner bank	9,372		4,765
Account fees	2,686		2,909
University fees - disbursement activity	276		293
Other	2,650		192
Total revenue recognized at point in time	$	23,335	$	14,766
Revenue recognized over time:
University fees - subscriptions	$	1,048	$	992
Total revenue recognized over time	1,048		992
Total revenue recognized from contracts with customers	$	24,383	$	15,758

Deferred Revenue Balances

The deferred revenue balances were as follows:

	March 31,
(amounts in thousands)	2021		2020
Deferred revenue, beginning of period	$	4,689	$	1,938
Deferred revenue, end of period	$	4,624	$	4,905