Sorry B, I was trying to ask Tatty. I understand direct deposit. What I think his place is going for is issuing employees a debit card and reloading them on payday. Which in hindsight, makes my question about when funds are available moot.

I forget where I was, but I remember someone saying the place his daughter worked did they same thing, and she loved it. Her tips were spending money, and she let the money pile up in the account, and used it just for bills. If she is ever audited that would bite this unknown girl in the butt, because if you never take out cash here and there, they will be suspicious about how you pay day to day costs (gas, food, etc).