Fees on prepaid cards used by state governments to disburse unemployment benefits have declined since 2011, according to a report from the National Consumer Law Center (NCLC). Most overdraft fees and point-of-service fees on the cards have been removed, and ATM fees are easier to avoid. In 2011, the advocacy group gave a negative rating to 16 states for their card programs; but only three states had a negative rating this year. However, the center did criticize California, Indiana, Kansas, Maryland, and Nevada, saying that their unemployment programs violated federal law by failing to offer the option of receiving benefits by direct deposit. The NCLC says that, compared to paper checks, prepaid cards can be a cheaper, more secure option for consumers without bank accounts. The report praises a prepaid card issued by the state of Pennsylvania with JPMorgan Chase; this card eliminated some fees and expanded the size of the ATM network.