Since my employer doesn't offer direct deposit, I decided to enroll in the ADP Total Pay card which deposits my paycheck onto a Visa debit card for use anywhere Visa is accepted. The only options of using the card to avoid being charged any fees is to use it as a credit card to pay for purchases, or to withdraw the funds at an approved "Allpoint" ATM. If you do a balance inquiry at the ATM they charge $2.00 to the card, and if you call their automated system it charges $0.99 to check your balance, but if you check it online it's free.
At first I was good at beating their nickel and dime scam, I would just withdraw all of my money out of the ATM on payday, but then I slipped up and started using the card for credit card transactions. The card is supposed to deactivate itself temporarily when your account falls bellow a balance of $0.00, but mine conveniently let me continue to exceed the balance until I reached -62.11. Of course the website didn't show this balance deficit in plain terms, it displayed it as (62.11) as if the average person knows that means negative.
Needless to say, I tried to withdraw cash at an ATM and was charged 2 fees of $2.00 each for a declined transaction charge'. I called ADP right away to find out why I was declined, and they said despite the fact their terms and conditions state nothing about a parenthesis indicating a negative balance that they would not be waiving the fee.
The bottom line is that ADP is a large company who profits from charging their customers ridiculous fees and pays foreign people to provide "customer service" to customers that will waste their time calling in to complain only to be placed on silent holds for 15 minutes and talked down to by powerless managers who "could waive the fee but won't because [insert nonsense excuse here] which ultimately means ADP is cheap and greedy.