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.

The material provided on the SOLE Paycard website is for informational purposes only. This information is not to be considered legal or financial advice, analysis, or opinion. Readers are solely responsible for remaining in compliance with federal and state labor laws and are encouraged to seek competent legal counsel before taking action based on this material.

 

 

Terminology

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.