Introducing the Visa PayCard
A simple, low-cost way to receive direct deposit of your pay
Why Should I Use a Visa PayCard?
- You avoid paying high check cashing fees.
- You're paid even if you're not scheduled to work that day.
- Your pay is conveniently loaded onto your card so you don't have to make a trip to a check cashing business.
- You don't need to have a bank account.
- It's safer than carrying cash.
- You have convenient access to funds at ATMs and retail locations. The card can be used to make purchases wherever Visa is accepted.
- You can check your balance by calling a toll free touchtone number. The number is available on any day at any time.
- You'll get a monthly statement that will show you all your transactions for the month.
- You can set up bill payment options that normally use a credit card. (e.g., long distance phone companies, cable TV, other services that bill to a credit card. Payroll cards cannot be used for automatic payments in which a bank account number is needed.)
How will I save money by using a Visa PayCard?
If a check cashing business charges you a fee of 2% of the face value of your check, here's what that means:
- If your paycheck is $250.00. It costs $5.00 to cash your check every time you get paid. If you get paid 4 times each month it costs you $20.00 per month to cash your checks. In a year, it costs you $240.00 to cash your checks.
- With the Visa PayCard, you pay a one-time enrollment fee of $4.00 plus 35 cents each time your pay is added to your card, and it comes right off your card automatically. Retail purchases are free and you can make 1 free ATM withdrawal each payroll (exclusive of local ATM access fees).
- Additional charges may also apply:
ATM Withdrawals (after the free withdrawal) $1.50
Balance inquiry at the ATM $1.00
Balance inquiry via IVR and internet free
Card replacement for lost card $10.00
Overdraft Fee $27.00
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