• This is one of the most employer friendly ways to streamline the payroll process, offering free depositing and account management.  Issuing debit cards to employees instead of paper checks can significantly reduce payroll costs.

• Employees can have unparalleled access to their funds without having to contend with check cashing fees in addition to waiting for those checks to clear

• The power of the MasterCard logo means that purchases can be made in millions of locations world wide, in addition to access to the power and convenience of online shopping.

Businesses can tap into the power and convenience of prepaid debit cards to cover expenses, payroll and even use as a marketing tool to improve brand and name recognition.  For employers, using prepaid debit cards to pay employees can save an estimated two dollars per check, sometimes more.  Not only that, but employees who do not already have a bank account can save hundreds of dollars a year in check cashing fees.  So, it is a double benefit, and the end result is that employees can get paid faster and more efficiently than ever before.

The process of depositing payroll funds into individual accounts is easy, and best of all, completely free for employers to access and use.  No more paycheck hassles, and the money is immediately available for employees to use without having to wait for their checks to clear.   Direct deposit is also free for employees, so they won't have to pay for the convenience either.  Just like regular direct deposit, all the employee needs to do is fill out a form and submit it.  That's it.  Easy and very cost effective, these options are becoming a reality for thousands of companies across the country.

From an employee's prospective, having immediate and fee free access to their paychecks makes life much easier as they discover the power of using a debit card.  Not having to pay to cash their checks or wait days for it to clear is just one of many benefits of being a cardholder.  They can get the freedom and flexibility of the MasterCard brand by being able to use the card where ever MasterCard is accepted.

Additionally, easy account access and a wide range of money management tools are available from anywhere at anytime through 24hour customer support as well as a fully functional online account management system.  One great benefit to using the Palm Desert National Bank CardFlex Prepaid MasterCard is that users can set up to have their bills automatically paid, and there is no charge unless this service is used.  This can help manage finances easier by eliminating the need to write checks or get money orders and mail them every month.  Just a couple of clicks can set up payments for common monthly expenses, eliminating wasted time and money.

Best of all, this is one of the safest and most secure ways to manage money.  Each deposit is FDIC insured, and purchases made with the card are covered by the MasterCard Zero Liability program.   This is a great feature that protects users from being stuck with unauthorized charges being made on their card.  Having this security offers peace of mind knowing that cardholders won't have to go through a seemingly endless process to try and dispute fraudulent charges. 

No matter whether an employer or an employee, switching to a prepaid debit card payroll program will eliminate a lot of overhead while simplifying how funds are disbursed and accessed.  No more lost checks or delays in processing, and having a prepaid debit card eliminates the guesswork out of when funds will become available for use.  Getting this peace of mind has never been easier or safer to achieve.

Individual cardholders also enjoy access to ATMs worldwide, car rental and hotel reservations and the buying power to purchase anything (as long as there is money in the account) where MasterCard is accepted.  There are no recurring interest payments or service fees, and there is never a need to worry about overdrawing the account or going over limit. 

Designed to be simple and easy to use,  it is a lot safer than keeping cash and a lot less hassle free than paying for check cashing fees. Having a prepaid debit card can simplify life in ways previously undiscovered, and best of all, it's free to get started. 
Also, individuals can reload their cards from other sources in addition to payroll deposits.  By purchasing a reload card at one of thousands of retailers across the country, money can be added instantly simply by walking up to a cashier.  Bank transfers are also available and  it's easy to move money from one account into the prepaid MasterCard account.

Having a prepaid debit card also means being able to shop online easily and without having to put up with crowds and long lines at the store.  Not to mention, online shopping allows consumers to take advantage of some of the great deals that are not found in stores.  Even major retailers offer better discounts on a broader range of products than they offer in traditional stores.

Since they save money by not having to order and keep products in stock on store shelves, these savings are passed onto consumers who shop online.  By using a prepaid debit card, customers can take advantage of these added benefits without ever leaving the comfort of home.  As more and more consumers turn to the internet to shop, having the power of a debit or credit card without the drawbacks gives cardholders the opportunity to save like never before.

All in all, the easy signup process brings a world of benefits to both employers and employees.  Easy access to money without paying endless and seemingly random fees ranging from check processing to overdrafts makes this an attractive option for many.  As more and more companies jump on the debit card bandwagon, it is nice to have the assurance that your debit card needs are in good hands with a company that is geared towards the needs of businesses as well as their employees.