Are debit cards part of your payroll options?

[penultimate]

6. I don't think I've ever had that option, let alone been forced to use it.

However, my brother was paid in that method. I don't know if it was his only option, but he took it because he couldn't open any bank accounts anymore due to his irresponsible behavior (in most cases it was his fault and not just asshole banks being assholes)

The fees are unfair if it's the only option they have to be paid. If they have other options, then whatever, because they can choose a regular check or direct deposit. It really gets me that they don't allow other options though. So someone who has a normal checking account has to go through extra steps to put their money into their real account. Which even if they get that one free withdrawal, they are still losing time to have to do it. Plus most banks give free checking if you have direct deposit. That's a fee they wouldn't have to pay if they were not being forced to use the card.

That being said, I don't think the cards themselves are inherently bad if someone chooses to use them. Like I have a netspend account that has similar charges, but I only use it to buy stuff online.