https://content.next.westlaw.com/practical-law/document/I877b8d9948fb11e498db8b09b4f043e0/State-Direct-Deposit-and-Payroll-Card-Laws-Chart-Overview?viewType=FullText&transitionType=Default&contextData=(sc.Default) This Chart provides a comprehensive 50-state survey of state direct deposit and payroll card laws, detailing the key methods of wage payment permitted by each state and the District of Columbia. It highlights when employee wages may be paid by direct deposit or payroll card, assuming no applicable collective bargaining agreement. The document examines federal requirements, such as employee choice of bank for direct deposits (15 U.S.C. § 1693k) and prohibitions against mandatory payroll card enrollment (12 C.F.R. § 1005.10(e)(2)). It outlines state-specific employee consent requirements, pre-enrollment disclosures, fee restrictions, and access to full wages through no-fee transactions. The Chart also notes that some states informally permit these wage payment methods despite lacking explicit legislation. Additionally, it excludes considerations like federally insured funds, non-monetary compensation, and local laws unless specified. This Chart serves as a vital resource for private sector employers navigating complex wage payment regulations across different jurisdictions.
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by Practical Law Labor & Employment
| Law stated as of 14 Dec 2023 • Expand Alabama, Alaska, Arizona . Arkansas , California , Colorado , Connecticut , Delaware , District of Columbia , Florida , Georgia , Hawaii , Idaho , Illinois , Indiana , Iowa , Kansas , Kentucky , Louisiana , Maine , Maryland , Massachusetts , Michigan , Minnesota , Mississippi , Missouri , Montana , Nebraska , Nevada , New Hampshire , New Jersey , New Mexico , New York , North Carolina , North Dakota , Ohio , Oklahoma , Oregon , Pennsylvania , Rhode Island , South Carolina , South Dakota , Tennessee , Texas , USA (National/Federal) , Utah , Vermont , Virginia , Washington , West Virginia , Wisconsin , Wyoming |
This Chart provides a comprehensive 50-state survey of state direct deposit and payroll card laws, detailing the key methods of wage payment permitted by each state and the District of Columbia. It highlights when employee wages may be paid by direct deposit or payroll card, assuming no applicable collective bargaining agreement. The document examines federal requirements, such as employee choice of bank for direct deposits (15 U.S.C. § 1693k) and prohibitions against mandatory payroll card enrollment (12 C.F.R. § 1005.10(e)(2)). It outlines state-specific employee consent requirements, pre-enrollment disclosures, fee restrictions, and access to full wages through no-fee transactions. The Chart also notes that some states informally permit these wage payment methods despite lacking explicit legislation. Additionally, it excludes considerations like federally insured funds, non-monetary compensation, and local laws unless specified. This Chart serves as a vital resource for private sector employers navigating complex wage payment regulations across different jurisdictions.