There are various states or really agencies that issue these, and you don't have to live nearby to get one or get the one that's in your home state. I've only used the PA Turnpike with mine, but I got it from the Delaware River Joint Toll Bridge Commission (DRJTBC) which has no monthly or annual fee at all. Maryland's also still has no fee as I recall. You can get a Maryland or DRJTBC even if you live in NY, etc, as long as you apply to them instead. I've had no problems with mine, refills automatically from a credit card at $25 per fill (if I used it a whole lot they'd probably raise that amount).