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Apparently, a local Mickey D's is paying their employees with balances on a debit card, in a manner similar to Unemployment benefits or the "flexible benefits" some employers use for health insurance co-pays, etc.
So far. no problem, but some of the employees, many of whom are young and/or not experienced in recognizing hidden charges and fees, have lost some money at non-participating ATM's etc.
Which begs the question, how much duty does an employer have to educate his employees??; Wilkes-Barre is, I regret to announce, not exactly the brightest bulb in the marquee.
Last edited by 2nd trick op; 06-23-2013 at 07:50 PM..
......how much duty does an employer have to educate his employees??
Not much, I don't think.
I saw the same problem when my employer forced all employees to accept direct deposit. There were knuckleheads who simply could not deal with it. They were forced to accept it.
If someone working for me could not figure out how to use a debit card they will just have to get a job somewhere else.
I saw the same problem when my employer forced all employees to accept direct deposit. There were knuckleheads who simply could not deal with it. They were forced to accept it.
If someone working for me could not figure out how to use a debit card they will just have to get a job somewhere else.
The fact that you can not figure out that the reason people are objecting to this policy is not because they can't figure out how to use a debit card, it's because they have to pay high fees to use it is why you don't have people working for you.
The fact that you can not figure out that the reason people are objecting to this policy is not because they can't figure out how to use a debit card, it's because they have to pay high fees to use it is why you don't have people working for you.
Heh heh...so good that you know so much about me.
You gotta read what the OP said:
Quote:
but some of the employees, many of whom are young and/or not experienced in recognizing hidden charges and fees, have lost some money at non-participating ATM's etc.
Go to a non-participating ATM, and you will pay. That's the way it works.
This statement from the article set my teeth on edge, though. I'm not sure whether it is entirely accurate. Sounds fishy, but if that's the way it is I, as an employer, wouldn't do business with them. For that matter I would do business personally, either.
Quote:
According to the lawsuit, the J.P. Morgan Chase payroll card carries fees for numerous transactions. They include a $1.50 minimum charge for an ATM withdrawal, $5 for an over-the-counter cash withdrawal, $1 to check the balance, 75 cents per online bill payment and $15 to replace a lost or stolen card.[LEFT]
From The Detroit News: Pennsylvania McDonald's franchise sued over payroll debit cards | The Detroit News
[/LEFT]
I stand by what I said. I'm willing to help these young people figure it out, but I'll only go so far. They gotta work it out themselves.
There might be more here than meets the eye, but I'm not certain whether one, or maybe both sides in the controversy are telling the whole story.
Personally, when I am obligated to use "plastic money" to settle a bill, I want to know precisely what I'm paying for, and I expect there to be a means by which any charges to which I did not specifically consent in advance can be avoided, And it's very much worthy of note that I'm not aware of any J P Morgan / Chase outlets in Northeastern Pennsylvania.
If these charges arose because of simple irresponsibility on the part of people who can't handle credit, then they have only themselves to blame. But if these policies were hatched in direct collaboration between an employer seeking to keep his hirelings in virtual peonage and a schlockmeister seeking to sell debt, then the two deserve everything the courts can throw at them; such action borders on the criminal.
I agree fully that it is the employees responsibility to learn for themselves how to use the card properly to avoid fees, but it is ridiculous that McDonalds would force them to accept their wages through a third party system like this. When I work for someone, I expect them to pay me directly, either in cash, check or through direct deposit to my designated bank account. The moral of this story is don't work at McDonalds, or any other company that tries to pull a scam like this.
Yep this is the not first nor will it be the last one to do so. Reminds me of SS not sending checks and only direct deposit. Some objected because they have no bank account; they were told to open one. Some still pay fees to cash their checks that objecedt to not being paid in cash in past.
Go to a non-participating ATM, and you will pay. That's the way it works.
This statement from the article set my teeth on edge, though. I'm not sure whether it is entirely accurate. Sounds fishy, but if that's the way it is I, as an employer, wouldn't do business with them. For that matter I would do business personally, either.
I stand by what I said. I'm willing to help these young people figure it out, but I'll only go so far. They gotta work it out themselves.
Prepaid Debit cards cost money to withdraw cash out of the ATM. Period. Non-participating ATMS are. Educate yourself before you challege someone else's intelligence.
I agree fully that it is the employees responsibility to learn for themselves how to use the card properly to avoid fees, but it is ridiculous that McDonalds would force them to accept their wages through a third party system like this. When I work for someone, I expect them to pay me directly, either in cash, check or through direct deposit to my designated bank account. The moral of this story is don't work at McDonalds, or any other company that tries to pull a scam like this.
First off, it wasn't McDonald's (the parent company) which came up with this idesa -- it was the local operator.
Wilkes-Barre and its suburbs (not including Scranton, Hazlreton and the downriver communities) is home to about a dozen McDonald's outlets. Ironically, Shavertown, Dallas and Trucksville -- what the locals usually refer to as the "Back Mountain" area is likely the most upscale neighborhood in the Wyoming Valley. And while I'm sure that almost any employer involved in "front-line retail" has to draw a large portion of his/her labor supply from the fringes, it's worth noting that both the lawyer heading the effort and the newspaper promoting the story are well over on the left side of the fence, and have a stake in rattling their saber.
It's an unsettling picture of an area where pockets of economic naivete' run deep and old prejudices and stereotypes linger on both sides.
Well, I'm certainly not in favor of this, but the detractors miss an important point. If you are unbanked, then cashing a check has associated costs, too. After all, check cashing services take a sizable cut as well.
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