My employer is making me do direct deposit with my paycheck.

I have been told by ADP (Automated Data Processing) that the State of Washington has a law that allows employers the right to require paychecks be direct deposited. Many employers chose to do that because checks really are expensive to process. ADP, for those employers, offers Direct Deposit and re-fillable Debit Cards that get credited with the net pay each pay day, so an employee who refuses to have a bank account does have a way to receive pay. But, the employer may choose to require direct deposit.

Paint the picture for them. If the banks decide to close, we will lose our money just like during the great depression. Tell them I'm not comfortable with putting my money in a bank. and add that you are surprised they are with everything that's been going on. Send them a link to that senator exposing the fact that the banks did not offer the bail out to consumers in the way of loans but gave themselves huge bonuses. They probably don't know. I would just tell them no. It's your money. File a complaint with the state labor board.

Set up an account with a local Credit Union instead - and pull everything out but the minimum if you're still not comfortable with your money there - I do!

“I believe that banking institutions are more dangerous to our liberties than standing armies. “ - Thomas Jefferson

Deposits are king.

Banks will contract with companies to direct deposit into an account set up with the bank.

Therefore the deposit will simply transfer, but remain in this bank.

Additionally, they will save bigger companies lots of money in exchange for this mandate on their employees.

Also, banks will set up schemes with utility companies where a company will reverse negotiate up a price for their energy in exchange for a reduction perk for their employees. This will save a bundle in payroll taxes alone.

This has been in the pipeline even before the crisis.

But now, since the new business model places a premium on deposits, these schemes will become the norm rather quickly.

It's actually a quite interesting model and the financial harm is only realized by the gov. in reduced revenue from taxes.

WAHOR!!
http://www.dailypaul.com/node/48994

"Jeff Wacker, a futurist at Electronic Data Systems Corp., said Dexit's failure is not an isolated incident. He said France was unsuccessful a few years ago in a nationwide effort to promote the smart card, which can be used to make purchases and other uses such as loyalty programs and health insurance. "Money in an account doesn't mean much; money in your hand means something."
Mr. Wacker said cash will likely be around for a long time unless there is an extraordinary event such as a link between cash and a deadly disease such as the Avian flu. "Short of that, I don't think there will be a dissolution of actual physical cash." ....article from 2006 about the new Debit Monopoly game. http://www.canada.com/topics/fnance/story.html?id=488e476c-2...

ONLY...

DD is no different than a Check as far as the paper trail..
And you can open a WAMU free checking or some other free checking and withdraw the money (most of it , required minimum balance.)

You could start your own company and pay yourself how ever you want.

Set up a checking account with 0 minimum balance near enough to your work so you can go there on lunch. If they deposit your check on Thursday night, go to the bank Friday and withdraw every dime. You can just do this every week.

They absolutely have the legal authority to do this, you are an at will employee and they can pay you how they want.

Most employees like the direct deposit, since it saves them a trip. I wouldn't go back to paper paychecks. The point is, they can't really give paper checks to some and dd to others, so they pick dd.

Don't make a stink over it, just set up a bank account and clear it out every week.

tell your employer to give you real cash or quit ... this is all a result of that credit creation game the fed plays ... is cash beginning that hard to come by that everyone is just using numbers now instead of the actual paper cash? lol

I work in construction and I know what I would do. I would continue to work there the week before as long as they would let me work that week and rack up man hours. No matter what he owes me if I work. then on that friday I would go up and ask for my check. If he gave me a big speal about i needed a bank account I would go the next day and file a mechanics lean on the house I was working on. The good thing about a mechanics lean is once I file it the home owner knows immediatly and he will go straight to the contractor and the fight will be on he will pay me out of his own pocket if he has to just to make it go away or he could lose the job. I would of course be fired right after that but hey I'm an ass when people try to force me to conform. I am not going to do well in thei new world order I don't think hehehehe.

I know people have mixed feelings about PayPal, but maybe use them instead of a "bank"???

My employer put us a direct deposit a few years back.At first I was dead set against it,I didn't want a bank account because I dealt in cash and hadn't made any loans for years.But they (the bank) offered us free checking because of our multiple accounts (employees). Eventualy I liked it much better than the old paycheck,some of us still get a paystub so it's not a big change.But the ease of getting your money is far better,you don't have to go to the bank and cash your check,it's already there and if you have free checking and a debit card money can be had almost anywhere at any time.But I understand why you might have concerns,I did at first.

I own my own business and if I find it saves me money or is easier to do direct deposits then I do it. The employee/employer relationship is voluntary on both sides. Please don't try to saddle your boss with more big government problems than he has to deal with already. If you are in a small enough company then go talk to him/her directly and try to work it out. If it is a big company my advice is find a small local bank or a member owned credit union and open up an account.

The government has no more role telling me who to hire or how to pay them, than I do hugging trees and asking for welfare.

Thank you Dr. Paul for making my act on what I already knew was right.

I need to have a bank account in order to make online bill payments. Having a paycheck I need to deposit takes productive time out of my day, so automatic deposit is a big time-saver.

If I were living paycheck to paycheck, I might feel differently but my reality is that risking one or two paychecks' worth of money in a bank account is small potatoes. (I seldom leave more than that amount in there.) The bulk of my savings are not in a bank.

why are you guys talking about checking laws and all that..if the employer wants to pay their employees by direct deposit then thats their right to do so..its their establishment...if you dont like it get another job..but in all honesty its very convenient to have direct deposit...like i said..use a credit union and not a bank..not everything has to be a battle...

If you don't like the terms of working there you don't have to work there. If you continue to work there you agree to it. You're making a trade when you work. You give something to them and they give something to you. If they don't give you all you want, you're free to shop elsewhere.

Now if the GOVERNMENT required your employer to pay you with direct deposit, then there would be something wrong.

If you think you're so valuable to them that you could tell them you'll quit unless they give you a check, then go for it. If not then you'll have to settle that you don't have much bargaining power. You're not valuable enough to them to make that concession. That's the free market.