Are payroll cards too costly for restaurant employees_ – eater

Last week, an analysis from the Restaurant Opportunities Centers examined the use of payroll cards at Darden Restaurants, the largest restaurant-industry employer with 150,000 workers, and the results highlighted a concerning number of complaints among the 200 employees it surveyed. Electricity song billy elliot But it wasn’t the first time this new method of payment has come under scrutiny. Gaz 67b for sale In 2013, the New York Attorney General’s Office investigated whether or not use of the cards was a violation of state labor laws, and issued warnings that companies could not force employees to use the cards. Static electricity how it works Attorney general Eric T. Electricity jeopardy powerpoint Schneiderman also proposed the Payroll Card Act of 2014, which suggested stricter regulations aimed at reducing fees paid by workers in the state.

Also in 2013, former McDonald’s employee Natalie Gunshannon sued two McDonald’s franchisees after she was forced to use a payroll card to receive her wages. Gas in babies at night The case ultimately resulted in a class-action lawsuit involving more than 2,000 employees who worked at McDonald’s locations owned by those franchisees (the litigation is still pending). Grade 6 science electricity multiple choice test Later, a judge ruled that paying employees through any prepaid card that incurred fees when workers attempted to withdraw funds was illegal in the state of Pennsylvania.

At present, more than 19 states have passed bills concerning the use of payroll cards, many of which are intended to protect workers from predatory fees. Mp electricity bill payment jabalpur In 2014, Hawaii Governor Neil Abercrombie ordered that all public and private employers stop issuing payroll cards while the legislature debated a bill that would have officially made them legal for use in the state. Nyc electricity cost The measure ultimately passed later that year, but with strict requirements that employees have free and unencumbered access to their funds.

In ROC United’s analysis, the chief concern among Darden Restaurants employees was the issue of fees, which range from 50 cents to $10. Gas after eating salad The fees can be assessed for everything from checking one’s card balance or withdrawing cash at an out-of-network ATM to not using the card for an extended period of time. Gas prices going up in michigan Even having a payroll card declined at the point of sale can result in a fee.

According to Mike Rodriguez, author of ROC United’s report, the study found that employees could incur more than two dozen different types of fees while using their Darden-issued payroll card, which add up quickly for tipped workers. Electric utility companies charge customers for “When you’re higher wage, maybe it doesn’t impact you,” says Rodriguez. Electricity transmission costs “But when you’re earning the federal sub-minimum wage, it can cost you almost a full hour’s work just to check the balance on your card.”

The cards also bring a host of financial inconveniences that are frequently accompanied by even more fees. Gas in back trapped If, for example, an employee needs to withdraw $1,000 to pay bills, most ATMs cap the amount of cash that can be withdrawn in each transaction at $500 —€” the employee would incur two ATM fees by the time they had enough cash to keep the lights on or pay rent. Gas leak east los angeles If an employee uses his payroll card to purchase gas at the pump, he can likely look forward to holds in excess of $75 or $100 until the transaction clears.

Then there’s the issue of logistics. Gas bijoux nolita Darden employees can access funds on their payroll card via an in-network ATM for free, but Rodriguez found that the vast majority of employees he surveyed were unclear on what exactly “in network” means. Electricity for dummies pdf “When I think about a traditional bank account, it’s branded. Gas laws worksheet pdf I know what’s in and out of network because of the logo, I know how to avoid fees,” he says. Z gas tecate telefono “There’s a network, but it’s really hard to identify the ATMs that are in your network. Electricity cost per kwh by country Employees don’t know there’s a network, much less how to access it.”

These issues culminate to real economic impact for employees. Electricity problem in up A $2 fee may not seem like much, but for workers living paycheck to paycheck, it can mean the difference between paying a bill on time and getting the utilities shut off. Electricity bill bihar electricity board “Hiccups related to fees meant missing key bills and being charged late fees from the utility companies or landlords,” says Rodriguez. 9gag instagram “Or maybe they buy gas and don’t know how much the hold is, go to make the transaction, and they’re getting charged a POS decline fee. Electricity symbols ks2 And this is supposed to be an easier way for them to access their wages?”

Rich Jeffers, director of communications for Darden Restaurants, completely disputes ROC United’s findings. Gas yourself in car “I saw the study and took it for what it is. Electricity storage costs This is year five of their campaign against our company in which they release these so-called reports that have no statistical validity, their methodology is extremely flawed, and they’re just trying to disparage our company,” he says. K gas station “This isn’t anything new. Gas konigsforst Pay cards are not something unique to Darden Restaurants, and they’re not unique to the restaurant industry. Current electricity examples We’ve been using pay cards since 2004.”

The most important distinction for Jeffers is that employees at Darden Restaurants have a choice whether or not to use the payroll card. Electricity shock in the body “Fifty percent of our employees elect to be paid by pay card; no one is forced,” he says. Electricity and magnetism physics definition “The other half choose direct deposit, two percent choose paper check. Gas estimator If, in fact, what ROC alleges were true, I highly doubt half of our employees choose a pay card.” (Of the 200 employees surveyed, 26 percent reported that they were not given a choice to decline the Darden payroll card.)

In his view, restaurant employees choose payroll cards for the same reasons that they choose restaurant work. Power outage houston reliant “70 percent of workforce is millennials, so they may have another job or income coming into their bank account in different ways,” he says. Static electricity zapper “They want the paycard to use as their spending money. Electricity outage sacramento There’s any number of explanations for the way that people use them. Electricity production by source It’s emblematic of our diverse workforce, the flexibility that people enjoy in their jobs.”

He also notes that Darden has taken progressive steps to eliminate some of the fees associated with the payroll cards that they use. Igas energy shares As of next month, the company will no longer charge users a 50-cent fee when their cards are declined at the point of sale. Physical science electricity review worksheet The company will also expand its ATM network, increasing the number of in-network machines from 50,000 to 79,000 effective June 1. Electricity projects ks2 When asked to provide a full schedule of fees for the cards, Jeffers declined. Electricity experiments for 4th graders The Future

Considering the cost savings to companies, payroll cards aren’t likely to go anywhere any time soon. Bp gas card login In fact, their usage is expected to increase —€” according to the National Consumer Law Center, 12.2 million workers will be paid by these cards by 2019. Electricity wikipedia in hindi Considering that Darden Restaurants is the largest full-service restaurant group in the country, other chains will no doubt be looking to replicate the cost savings and increases in efficiency that the cards can bring.

On Darden’s part, the company maintains that it is continually working to improve the experience for their employees. Gas 93 octane “User experience is always something we are paying attention to. Electricity flow direction We employ people in all 50 states, so having a large number of ATMs is important to us, that’s we’re adding more,” Jeffers says. Electricity billy elliot instrumental “We looked at the fees that are out there, and we’re having the 50-cent decline fee waived because of it. Grade 6 electricity project Our employees are our most important asset, we want to make sure we’re taking care of them.”

In Rodriguez’s view, the issue isn’t the card —€” it’s with the implementation. Gas and sand “This is an evolving technology, and the slippage comes when you try to implement it with franchisees or lower-level managers,” says Rodriguez. Gas constant for helium “There are uneven levels of access to information and transparency from both the corporations and the payroll card providers, and that impacts people.” In an industry that employs a proportionally high number of non-English speakers and low-wage employees without consistent access to the internet, those challenges may be difficult to overcome.

More to that point, Rodriguez believes that restaurants have a great deal of training to do to ensure that the waitress who’s pulling 12-hour shifts slinging Cheddar Bay Biscuits at Red Lobster knows exactly what she’s getting into when she signs up to use a payroll card.

“Many workers do have a good experience with the card, they feel that it’s a convenient way to get their wages,” he says. 3 gases in the air “But you’re supposed to be presented with options to use the payroll card or get direct deposit, and we found that they’re often not given that option. Gas after eating pasta When people push back and ask for direct deposit or a paper check, our research shows that a third of those folks are being told no or their requests die in the bureaucracy. Gas equations chemistry It’s unacceptable.”

Amy McCarthy is a writer and editor in Dallas, from where she serves as editor of Eater Dallas and Eater Houston. Walmart with a gas station near me She enjoys lipstick, cocktails, cooking, and fighting with celebrities on Twitter.