rapid! PayCard

  • Why rapid!
  • About us
  • PayCard
    • Cardholder
    • ATM Locator
    • Cardholder FAQs
    • Client testimonials
    • Case Studies
    • Fraud Information
  • OnDemand
  • Financial Wellness
  • Disbursements
  • INDUSTRIES / VERTICALS
  • contact us
  • Why rapid!
  • About us
  • PayCard
    • Cardholder
    • ATM Locator
    • Cardholder FAQs
    • Client testimonials
    • Case Studies
    • Fraud Information
  • OnDemand
  • Financial Wellness
  • Disbursements
  • INDUSTRIES / VERTICALS
  • contact us

Ohio Pay Cards and Compliance

September 12, 2016 by rapid! PayCard

This month, we are highlighting the State of Ohio for a look at the payroll card requirement categories to compare the legal requirements with the detail about how rapid! PayCard® complies.

Here’s a look at the current payroll requirements in Ohio; a state in which paperless pay is permitted:

  1. Cash Access

Legal Requirements

The Ohio statutes do not expressly address pay cards.

rapid! PayCard Program

The rapid! PayCard MasterCard® provides numerous ways for employees to access their full net pay each pay period, including:

  • Over the counter cash withdrawal at banks displaying the logo of the applicable payment brand (Visa or MasterCard)
  • Electronic transfer to a bank account
  • US Post Office Money Order1
  • ChekToday2 convenience checks
  • ATM withdrawals at more than 55,000 locations in the Allpoint® and MoneyPass® ATM surcharge-free networks
  • Cash back with POS purchases using a PIN

See your fee schedule for methods of accessing wages, including full net wages, in cash without cost.

  1. Employer Costs and Incentives

Legal Requirements

No provision expressly addressing employer costs or incentives in the pay card context.

rapid! PayCard Program

rapid! PayCard does not offer cash incentives to employers, or pass employer costs onto their employees.

  1. Ability to Change Payment Method

Legal Requirements

No express provision that addresses whether employees must be allowed to change the manner in which they receive their wages, but such a requirement could be inferred.

(See federal requirements)

rapid! PayCard Program

Employers that offer the rapid! PayCard are responsible for complying with applicable state and federal requirements regarding an employee’s ability to change payment methods.

  1. Transaction Histories

Legal Requirements 

No express requirement relating to transaction histories on pay card accounts.

(See federal requirements)

rapid! PayCard Program

rapid! PayCard makes transaction information available to cardholders online, via the rapid!Access3 mobile application and over the telephone3. Transaction data can be printed from the cardholder website or upon request, rapid! PayCard will provide a written transaction history.

  1. Convenience Checks

Legal Requirements  

State law does not authorize the use of convenience checks tied to a pay card account as a replacement for employer-issued paychecks.

rapid! PayCard Program

rapid! PayCard offers ChekToday2 convenience checks which can be used by cardholders to access wages at Wal-Mart stores with Money Centers free of charge. ChekToday also can be used at check cashing facilities or to make other direct payments.

While some mandates governing their use are similar or the same, we take our obligation about adherence and providing information as seriously as we do customer service.

1 When a money order is employee’s first transaction for a pay period for the full amount of their pay, rapid! also refunds the amount of the USPS charge to the employee’s card account.

2 This optional offer is not an issuing bank product or service nor does the issuing banks endorse this offer.

3 While rapid! PayCard does not charge for this feature and service, standard text messaging, data and cellular rates may apply. Please check with your cell phone carrier and inquire about fees your carrier may associate with these services.

The rapid! PayCard® MasterCard is issued by MetaBank®, Member FDIC, pursuant to a license by MasterCard International Incorporated. Prepaid card can be used wherever Debit MasterCard is accepted. MasterCard is a registered trademark of MasterCard International Incorporated.

Filed Under: Compliance Tagged With: ohio paycards, paycards in ohio

Ready for a better way to pay?
Your browser does not support SVG
Online Privacy Statement    

The rapid! PayCard® Mastercard® Payroll Card is issued by Green Dot Bank, Member FDIC, pursuant to a license by Mastercard International Incorporated. The use of this Card is subject to the terms and conditions.

The rapid! PayCard® Visa® Payroll Card is issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. This card can be used everywhere Visa debit cards are accepted.

The Savings Account is established by Green Dot Bank, Member FDIC.

The rapid! PayCard blog and any information contained within do not reflect the views of Green Dot Bank or Mastercard or Visa, nor are they endorsed by Green Dot Bank or Mastercard or Visa.

The rapid! PayCard® Mastercard® is issued by Pathward®, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Prepaid card can be used wherever Debit Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

The rapid! PayCard® Visa® Payroll Card is issued by Pathward, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. This card is accepted everywhere Visa debit cards are accepted.

The Savings Account is established by Pathward, N.A., Member FDIC.

The rapid! PayCard blog and any information contained within do not reflect the views of Pathward, N.A. or Mastercard or Visa, nor are they endorsed by Pathward, N.A. or Mastercard or Visa.

Green Dot Bank operates under the following registered trade names: GoBank, GO2bank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage.

© 2025 Green Dot Corporation. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739.