[Gogar]

Seems to me like the bank gets to hold onto TWICE AS MUCH money in the 'debit card' plan. Some creative accountant at the university is probably getting a handsome kickback for coming up with this idea The fees etc. from the actual debit cards are small potatoes compared to the financial power that the bank gets to utilize by holding all the (debt, capital, lending power, I don't know what you call it.)