Paycard Legislation by State
An overview of current paycard legislation, state-by-state. Click on your state to read about its paycard laws and our suggestions for achieving 100% direct deposit in compliance with state legislation.
Pay to the Penny: Employer must allow employees access to their full pay, without fees, at least once per pay period. SOLE Visa® Payroll Cardholders can make a bank teller withdrawal at any Visa member bank once per pay period at no cost.
Opt-Out: Employers can authorize full deployment of direct deposit for employees. Employers must give employees the choice between direct deposit to bank account or direct deposit to a paycard. However, employers must provide a paper check if an employee requests it specifically.
Opt-In: Employees must voluntarily enroll for paycards and be given the option to receive paper checks or direct deposit to another financial institution.