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Payroll Card Program - Overview
The question is not, “Will your company be using Payroll Debit Cards?” The question is, “When will you begin?”
Contact us to get started on your Payroll Card program today!
Take the "check" out of paycheck...with the Commonwealth Card™.
Realizing that issuing paper paychecks is a costly, time-consuming practice, many companies have instituted direct deposit of payroll, a bank service that enables them to deposit pay electronically into an employee’s bank account. While a majority of employers offer direct deposit of payroll, nearly 3 out of 10 of their employees don’t use it, according to NACHA – The Electronic Payments Association. Some common reasons are that the employee doesn’t have a bank account or wants to keep the receipt of their pay separate from their personal bank accounts. The Commonwealth Card™ payroll debit card is the perfect “bridge” product. This cutting-edge electronic payment solution does not require a checking account so anyone on your payroll may sign up for it. Plus, our new "transfer options" enable cardholders to control their funds electronically. In addition, as more people use the Internet for shopping, the security of a payroll debit card - not attached to an employee bank account - is a good reason for "banked" employees to opt for the Commonwealth Card™.
Commonwealth Cards are issued by Palm Desert National Bank, Member FDIC, pursuant to a license from Visa® U.S.A. Inc. CCSI delivers to employers and their employees a dependable, safe and fully functional program. Through our banking relationships, CCSI is able to offer employers a high quality, reliable product backed by a world-class financial institution. CCSI provides sales and Client Services, cardholder administration and relationship management. The CommonwealthCard™, supported by state-of-the-art payment technology, provides back-office processing and administration, and maintains 24/7 cardholder services via the Internet, automated telephone service, or "live" operators.
When you consider the benefits, it is easy to see why payroll cards are an attractive option for employer and employee alike. The Commonwealth Card ™ Payroll Debit card offers payroll payment convenience, speed and safety both the employer and employees will enjoy. Instead of spending time and money handing out or mailing paper checks for employees to deposit, cash or risk losing, now, employers may offer their employees the advantages of direct deposit payroll even if the employee lacks a conventional bank account.
Commonwealth Card™ is a debit card alternative to checks and cash. Debit cards are proving to be an efficient and cost effective method for managing low value repetitive payments like payroll, benefits disbursements, payments to customers, vendor payments and employee reimbursements. Now, because of features, such as money transfer options, cash loads, electronic bill payment, and worldwide acceptance, debit cards are becoming the payment method of choice by all employees - banked and unbanked.
The Commonwealth Card™ is a Money Management Tool in your employees’ wallets.
Payroll cards are well suited to employers whose workforces are characterized by:
- Large numbers of employees who are not Direct Deposit of Payroll users
- Student, temporary, hourly, or seasonal employees
- Geographically dispersed locations
- High attrition rates
The Commonwealth Card™ also has the special ability to support immediate payments for:
- Start-up pay
- Termination pay
- Per Diem payments
- Incentive payments
CCSI provides overall Program Management and Client Support
CCSI and our representatives guide the process from introduction through implementation and on-going client servicing to enable programs that satisfy client and cardholder objectives. CCSI's payroll payment systems and responsive client servicing fully support each employer's program.
- Hierarchical databases enable client and cardholder implementation and operational support.
- Secure file transfers enable automation of payroll payment and delivery.
- Dedicated program administration is tailored to the way our clients conduct their business.
Contact us to get started on your Payroll Card program today! Payday just got easier!
This Card is issued by Palm Desert National Bank pursuant to a license from Visa U.S.A. Inc. | 
