Your employer makes the arrangements with the financial institution for the terms of the payroll card, including any fees that may be charged to you. Some employers arrange for payroll cards that do not charge you a monthly fee, but there may be other fees associated with using the card, so read the terms and conditions provided to you before you sign up.

In some states, you can’t be charged a fee to get your pay, which means that you won’t be charged a monthly fee to have a payroll card or for the first withdrawal per pay period, which can include all of your pay.