How to Request a PayCard for Your Employees

Employees can use a PayCard, or payroll debit card, to access their paycheck without having a bank account.

Gina Schrandt avatar
Written by Gina Schrandt
Updated this week

A Fingercheck PayCard is an easy and convenient way for employees to access their paycheck without having a bank account. The Fingercheck PayCard is a Mastercard debit card. Every time the employee gets paid, their pay is loaded onto their PayCard. They can use it immediately anywhere Mastercard debit cards are accepted and at all ATMs.

As an administrator, you can request a PayCard while onboarding an employee. Alternatively, during the self-onboarding process, new employees will see an option to request a PayCard. Existing employees can request one from their Fingercheck account.

If an existing employee requests a PayCard and has not self-onboarded (and doesn’t have an app.fingercheck.com account), you can add a PayCard to their profile.

Important: If you have any issues with the PayCard, please contact Rapid! directly to answer your questions.


Why Should You Allow Employees to Have a PayCard?

With the Fingercheck PayCard, you allow employees to take control of their finances! Your employees will benefit from having access to the PayCard:

  • They don’t need to open a bank account to benefit from the direct deposit feature

  • It is easy to track their balance

  • They can use the PayCard to make personal online purchases

  • There is no fee to withdraw money from their account if they use one of the free ATMs

  • Free Customer Service

  • Spanish and English instructions are included in the PayCard Envelope

You will benefit from allowing PayCards:

  • You no longer have to print checks

  • You can freely give your employees a PayCard

  • Directly integrated with Fingercheck


Enable a PayCard Service

You must be enrolled in direct deposit in order for the PayCard service to work. To enable this service, contact Fingercheck Payroll Operations.

Once the PayCard service is enabled on your account, you will be mailed some Fingercheck PayCards. You can pass out these cards to employees immediately so they can begin loading their paychecks onto their PayCard.

A client account will be created for you with Rapid! so you can access your account at any time to view account information and request more PayCards.


Request a PayCard for an Employee

  1. Log in to your Fingercheck account as an Administrator.

  2. Click the EMPLOYEES tab, and click the employee's number to open their profile.

  3. Under Payroll, click Direct Deposit.

  4. Click Add > Add Pay Card.


    The Add Pay Card pop-up window appears.

  5. If you have an existing PayCard, enter the card’s ID number in the Enter Card ID field.

  6. If the employee needs a new card:

    1. Click Generate a New Card.

    2. In the pop-up window that appears, select the correct address or add a new address.

    3. Click Use Address to return to the Add Pay Card pop-up window.

  7. From the Calculation Type drop-down list, select one of the following options:

    • Flat: Select this option to specify an amount to be added to the card each pay period. Any remaining balance will be put into the paycheck or direct deposit.

    • Percent: Select this option to specify a percentage of the pay to be added to the card each pay period. Any remaining balance will be put into the paycheck or direct deposit.

    • RemainOnCheck: Select this option to specify how much of the paycheck should be issued as a paper check.

  8. In the Amount field, enter the amount or percentage you want to apply to the PayCard.
    For example, if you selected Percent in the previous field and the employee wants to receive 50% of the pay on the PayCard, enter 50. On payday, the PayCard will have 50% of the pay, and the employee will receive a paycheck or direct deposit for the other 50%.

  9. Click Continue.

  10. Click OK in the Success pop-up window that appears.
    The PayCard is added to the list of direct deposit accounts.


Update a PayCard Number for an Employee

If you give an employee a new PayCard, you can simply enter the number of the new card on their employee profile.

  1. Log in to your Fingercheck account as an Administrator.

  2. Click the EMPLOYEES tab, and click the employee's number to open their profile.

  3. Under Payroll, click Direct Deposit.

  4. Click the Edit icon (pencil) for the PayCard.

  5. In the pop-up window that appears, enter the PayCard number.

  6. Click Save.


Order Additional PayCards

You can order additional PayCards by logging into your Rapid! account. If you have any questions about ordering additional cards, you can reach Rapid! customer service at (888) 727-4314.


FAQs

How do I contact Rapid!?

Phone: (877)380-0980

How can I see which of my employees have a PayCard?

You can see a list of all your employees who have a PayCard by logging into your Rapid! account.

When will employees receive their paycheck on their PayCard?

Your employees’ pay will typically be available by 10:00 a.m. ET in the morning on their check date.

How can employees check their balance?

Employees can check their balance anytime by calling (877) 380-0980 or by visiting www.rapidfs.com.

What happens if my employee loses their PayCard? What should I do?

Most importantly, tell the employees their money is protected with the Networks Zero Fraud Liability Policy. Have the employee call (877) 380-0980 to report the card lost/stolen and request a new card. If you have PayCards on hand, you can give them a new card, call (877) 380-0980 (press 0), and tell the representative this is a replacement card. Remember to update the card information on the employee’s Direct Deposit screen in Fingercheck.

What is the difference between the personalized PayCard and the instant issue Payroll Debit Card?

The first card the employee receives is the instant-issue Payroll Debit Card. It has a Mastercard or Visa brand mark, but it does not have the employee’s name embossed on it. When they call Customer Support at (877) 380-0980 to activate their card, they can request an upgrade to a personalized card with their name embossed on it at no additional cost. When the personalized PayCard arrives in the mail (7-10 business days) the instant issue card remains fully usable until they activate the new personalized card.


Thank you for using Fingercheck. If you have any questions on this article's topic, you can reach out to our team at 1-800-610-9501 or use the chat option below.

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