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01/12/2010 -
More employers are offering payroll debit cards as a way to deliver wages to workers, which provides more flexibility for people who do not do direct deposit.The Los Angeles Times recently reported that only 40 percent of employers know of payroll cards, but this number is expected to increase, according to a study. Major card brands such as Visa, MasterCard and Discover produce payroll cards. Phasing out checks can help companies save money and minimize waste. However, some employees are not able to accept direct deposit - approximately 8 percent of U.S. households do not have bank accounts, according to the Federal Deposit Insurance Corporation - making paycards a great alternative.
Paycards can be used at point-of-sale terminals, are accepted at ATMs and can help workers avoid check-cashing company fees. There is no legislation that monitors paycards in California, but the Division of Labor Standards Enforcement recommends that card users are afforded one free withdrawal every pay period in 2008. In 2007, Regulation E of the Electronic Fund Transfer Act, which governs electronic fund transfers, was revised to include paycards, HR World reports.
