Why might an unbanked employee choose to use a payroll card over receiving a paper check?

An unbanked employee might choose to use a payroll card over receiving a paper check because payroll cards allow them to access their wages electronically without needing a bank account. This option is often more convenient and secure than handling physical checks, as payroll cards can be used for purchases, withdrawals at ATMs, and online payments. Additionally, using a payroll card can help employees avoid the hassle of cashing checks, which may incur fees or require trips to a bank or check-cashing service.