News & Resources


APA Supports Massachusetts Payroll Card Bill

BY: Bill Dunn, CPP | 09/03/19

The Massachusetts House of Representatives has introduced a bill (H.B. 1600) that would codify the use of payroll cards in the state. Although Massachusetts currently does allow employers to offer payroll cards to employees, the state’s wage payment statutes do not expressly address their use.

APA supports the bill and said the bill will codify “longstanding administrative guidance with respect to payroll cards,” in a letter to the chairs of the Joint Committee on Labor and Workforce Development, which is considering the bill.

According to the most recent study of the unbanked conducted by the Federal Deposit Insurance Corp. (FDIC), more than one in five Massachusetts households are either unbanked or underbanked. “The passage of H.B. 1600 would be a significant benefit to the thousands of Massachusetts workers who currently do not have access to the banking system and would provide them with a new path to financial freedom and control of their finances,” APA said. The legislation would also ensure that payroll card users, on top of federal protections, would have full access to their wages plus the ability to check their account balance via telephone or the internet without charge.

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