Western Union Financial Services Inc., a subsidiary of First Data Corp., and Revelation America, a company backed by the country's five largest African-American churches, introduced a co-branded MasterCard Wednesday for people who lack bank accounts or credit cards.

The card, which charges an annual fee of $50 and a monthly maintenance fee of $5.50, functions as a prepaid debit card that works by signature and personal identification number. Customers may use the card at any site that accepts MasterCard and at automated teller machines and merchants in the Cirrus and MAC networks.

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