A recent front-page story in The New York Times, detailed the dilemma for hourly workers without banking credentials who are employed at companies with payroll systems that require automatic deposit to checking or savings accounts. In many instances, the only alternative for these workers is payment via a prepaid debit card. While compensation via a prepaid card system costs less to administer for the company, there are some hidden, and not so hidden, charges for the hourly worker. Dreaded card fees – use fees, non-use fees, lost or stolen card fees, transfer card fees, and the like – deplete the worker’s revenue to the point that many in the minimum wage pool actually make significantly less than the law-required amount. In essence, the company saves at a real cost to the employee.