Payroll cards vary in fees, features, and benefits depending on how they are used. Visa payroll cards can be issued from a retail store for a purchase fee, from a bank checking account, or from a Visa payroll card provider. When paying closer attention to finances, it is important to take a closer look at payroll card banking fees. Checking and savings bank accounts have high overhead to support, with buildings and property. Our secure Visa payroll card offers a fee structure like no other traditional bank account, and at the same time provides all of the security and protection a traditional bank account and credit card offers with FDIC and Zero Liability Visa Fraud Protection. Payroll card holder funds are protected with a secure payroll card PIN number and payroll card holders can make purchases the same was as a credit or bank debit card.

The main difference is how the payroll card is enrolled and issued. Payroll card holders do not need to apply for a bank account or credit card account, and there is no banking qualification check or banking history required. Most importantly, when comparing our payroll card holder fee schedule to other competitive payroll cards, our fee schedule offers the most value for the benefits to both the card holder and the employer issuing direct deposit payroll. 

When enrolling into our Visa payroll card, and using it for direct deposit with one or more employers, social security direct deposit, or other benefits, our payroll card holders will enjoy all of the benefits our card has to offer such as free deposits and flexible ways to access cash from any bank displaying the Visa logo. Payroll card holders also have access to cash at over 3.2 million ATM machines.

The Security Plus PayCard is issued by First California Bank pursuant to a license from Visa® U.S.A. Inc. First California Bank is a member of the Federal Deposit Insurance Corporation ("FDIC") and all cardholders funds are insured by the FDIC in accordance with the FDIC's applicable terms and conditions. Program managed by F.M.F.S. LLC a wholly owned subsidiary of E.M.P. Inc., a registered ISO of First California Bank.