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At both my job (global automotive manufacturer) and Hypo's (Wendy's), we had the option of the pay card or direct deposit. In her case, she would have had to pay $18 for the card initially. I don't know if she would have had to pay fees to use the card or not. She chose direct deposit but she has a college student checking account with no fees. In my case, the card was free and there were no fees to get cash from it. I had to take my first paycheck on the pay card but had no problem getting the money off of it and had the option to transfer it to my checking account online, which I did. It took two extra business days.
There are a lot of people who get paper checks who go to the local convenience stores to cash them rather than deposit them into an account. They pay a fee for that and don't think twice about it. If they had a checking account, they'd pay a fee for that account too.
I'm not a fan of the pay card option at all. I found it to be a hassle when my money was on that card. If I could pay all of my bills from that card, it might not have been bad, but you can't pay the mortgage with it.
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