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hi iamp;#39;m jackie jackson and iamp;#39;m going to talk to you about how a payroll debit card works what a payroll debit card is is your check that you have earned and instead of in the form of a check or in cash itamp;#39;s on a payroll debit card which works similar to any other type of debit card or credit card or stored value card and that you can just take it to the store swipe it and use it the cash that youamp;#39;ve been paid is stored in that card and this can make things easier for you because you donamp;#39;t have to carry around cash and if you donamp;#39;t have a bank account itamp;#39;s again another option for you i would however recommend whenever possible having a bank account because even though your company can offer you some protection against fraud and theft a bank account is really the safest way for you to hold your money