(AP) — Celebrities endorsing financial services can be a touchy subject. But hip-hop mogul Russell Simmons says he introduced his prepaid RushCard in 2003 to serve those locked out of banking services. On Tuesday, syndicated radio host Tom Joyner ventured into the prepaid market as well with his Reach card. Joyner says the card will resonate with his predominantly African American listeners, who are more likely to avoid traditional bank accounts. Prepaid cards in general have been criticized for the fees they charge. The industry is still relatively young and there’s great variance in the fees users will encounter.