Group 1 - The Direct Express program, which serves approximately 3.4 million unbanked Americans, allows users to receive federal benefits via a prepaid debit card, playing a critical role in electronic payments for Social Security and Veterans benefits [5][6] - Comerica has extended its services for the Direct Express program for three additional years to facilitate a smooth transition to BNY, although the transition has not yet occurred [3][4] - Fifth Third has been selected as the financial agent and issuing bank for the Direct Express program under a new five-year agreement, which began recently [7] Group 2 - Comerica reported average deposits of $3.7 billion in the Direct Express program during the second quarter [4] - Fifth Third's CEO highlighted that the Direct Express program is comparable to the second-largest neobank in the U.S., with similar average revenue per customer but better profitability [6] - Fifth Third disclosed potential material impairment charges of between $170 million and $200 million due to alleged external fraudulent activity at a commercial borrower [7]