This year, Virginia no longer is issuing tax refund checks and instead offers the money in the form of a direct deposit to individual bank accounts or a prepaid card with the refund loaded onto it. The debit cards carry 16 types of fees -- including fees for cash withdrawals, balance inquiries, customer service phone calls, and inactivity. Many consumers are complaining about these cards, calling it "unethical" and usurious to make taxpayers pay fees on their own refunds. The cards are administered by Xerox; Virginia tax officials say the program is saving about $200,000 that would have been used to print and mail the tax refund checks every year. Xerox is not charging Virginia for the service but is pocketing the fees. Money from the cards can be withdrawn all at once or deposited into a bank account once, without incurring a fee.