CT SB00908

Allows employers to offer payroll cards as a method to deliver wages to employees, effective October 1, 2015, alongside existing payment methods of cash, check, and direct deposit.

Requires employers to notify employees in writing that payroll cards are optional and that failure to respond within two weeks constitutes consent to receive wages via payroll card.

Prohibits employers and card issuers from charging employees fees for card issuance, wage transfers, account maintenance, one replacement card per year, account closure, low balances, inactivity, or similar costs during employment and for 60 days after termination.

Mandates employees receive at least one free withdrawal or transfer per pay period for their full wages, free balance inquiries, free transaction history access for at least 60 days, and the right to switch to direct deposit without penalty or retaliation.

Requires employers to provide employees written notice of payroll card terms, fees, access methods, and any changes at least 30 days in advance, and ensures payroll card accounts are FDIC or NCUA insured.