Most jobs require a bank account for direct deposit these days. Even pay cards are falling out of fashion. I spent a year working at a restaurant with a "i hate all taxes" libertarian owner and he still required all employees to set up a direct deposit. It keeps the books clean enough that any IRS audits wont come back demanding more money.

They're skipping banks by using a ratshit solution that charges them between a flat $5 or 3% every month in fees...

Okay.