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Segment Information
 6 Months Ended
Jun. 30, 2020
Segment Reporting [Abstract]  
Segment Information Segment Information
Our operations are comprised of two reportable segments: 1) Account Services and 2) Processing and Settlement Services. We identified our reportable segments based on factors such as how we manage our operations and how our chief operating decision maker, who is our Chief Executive Officer, views results. Our chief operating decision maker organizes and manages our business primarily on the basis of product and service offerings and uses operating income to assess profitability.
The Account Services segment consists of revenues and expenses derived from our deposit account programs, such as prepaid cards, debit cards, consumer and small business checking accounts, secured credit cards, payroll debit cards and gift cards. These deposit account programs are marketed under several of our leading consumer brand names and under the brand names of our BaaS partners. The Processing and Settlement Services segment consists of revenues and expenses derived from our products and services that specialize in facilitating the movement of cash on behalf of consumers and businesses, such as consumer cash processing services, wage disbursements and tax refund processing services. The Corporate and Other segment primarily consists of eliminations of intersegment revenues and expenses, unallocated corporate expenses, depreciation and amortization, and other costs that are not considered when management evaluates segment performance. We do not evaluate performance or allocate resources based on segment asset data, and therefore such information is not presented.
The following tables present certain financial information for each of our reportable segments for the periods then ended:
Three Months Ended June 30, 2020
Account ServicesProcessing and Settlement ServicesCorporate and OtherTotal
(In thousands)
Operating revenues$255,766  $67,877  $(7,403) $316,240  
Operating expenses228,723  49,669  32,458  310,850  
Operating income$27,043  $18,208  $(39,861) $5,390  

Three Months Ended June 30, 2019
Account ServicesProcessing and Settlement ServicesCorporate and OtherTotal
(In thousands)
Operating revenues$216,032  $70,040  $(7,746) $278,326  
Operating expenses165,574  45,867  22,922  234,363  
Operating income$50,458  $24,173  $(30,668) $43,963  

Six Months Ended June 30, 2020
Account ServicesProcessing and Settlement ServicesCorporate and OtherTotal
(In thousands)
Operating revenues$501,116  $193,507  $(16,214) $678,409  
Operating expenses440,266  116,988  56,916  614,170  
Operating income$60,850  $76,519  $(73,130) $64,239  

Six Months Ended June 30, 2019
Account ServicesProcessing and Settlement ServicesCorporate and OtherTotal
(In thousands)
Operating revenues$455,665  $180,689  $(17,514) $618,840  
Operating expenses342,361  100,382  50,749  493,492  
Operating income$113,304  $80,307  $(68,263) $125,348