MI SB1281

Employers may pay wages through cash, check, direct deposit, or compliant payroll debit cards, with all methods protecting earnings from garnishment under federal law.

Employers require written employee consent to use direct deposit or payroll debit cards, except employers already using payroll cards as of January 1, 2005, or when offering choice between direct deposit and payroll debit card.

Employers offering mandatory direct deposit or payroll debit cards must provide employees with written disclosure including all fees, free access methods, balance inquiry options, and the right to change payment methods at any time.

Payroll debit cards must allow at least one free withdrawal per week without charge, prohibit credit features, and require 21 days advance notice of any fee or service changes.

Employers cannot charge employees for fees or costs associated with direct deposit or payroll debit card payment methods.