A prepaid payroll card solution for employers

Payroll disbursements are a reality for every business. A payroll debit card reduces the administrative burden and costs for making payroll disbursements while giving your employees easy access to their funds. For cardholder questions, visit the U.S. Bank Focus Card cardholder website.

Employer pay card benefits

  • Reduce costs associated with paper checks, postage, reconciliation or replacement of lost checks, and escheatment process of uncashed checks
  • Compliant with Payment Card Industry (PCI) standards
  • Maximize electronic payments with direct deposit and the prepaid Focus Card 
  • Complements your existing direct deposit processes
  • Deliver pay to your employees on time

Pay card benefits for your employees

  • Convenience of funds automatically loaded to employee’s card on pay day, so there’s no need to cash or deposit a check
  • Make purchases anywhere Visa® or Mastercard® debit cards are accepted and get cash back at participating merchants
  • Security if the card is lost or stolen with Zero Liability1
  • Funds are FDIC insured

Why choose the prepaid U.S. Bank Focus Card for your payroll disbursements?


Optimize your payroll disbursements with our comprehensive admin site, automated card inventory management system, robust client reports and more.

Employee satisfaction

Your employees will appreciate the added value of the prepaid Focus Card, with great features like a mobile banking app, cash back rewards, text2 and email alerts, and more.

A trusted name

U.S. Bank is a nationally recognized, highly rated leader in payments, offering an in-house prepaid solution.

Security and protection

We invest in the data security, fraud protection and compliance programs needed to protect cardholder information.

Connect your business with a prepaid specialist.

Tell us a bit about your company’s goals. We’ll help you leverage today’s most innovative prepaid technology.

A complete payroll card solution for employers

U.S. Bank is a leader in processing, issuing and program management of U.S. Bank Focus Cards. Reduce costs and pay employees on the spot by instantly issuing cards. Manage your program and cardholders with an administrative website. All with easy implementation and a Relationship Manager available to help.

What types of businesses can benefit from a pay card?

  • Businesses still relying on a paper check solution 
  • Businesses and government agencies with full-time, part-time and seasonal employees 
  • Businesses with unbanked or underbanked employees

Explore other prepaid options

Payroll services

Make short work of processing payroll with innovative tools for your business.

Business expenditures

Simplify payroll disbursements and business expenses.

Employee and customer rewards

Show your appreciation to employees and customers.

Ready to get started?

Maximize your electronic payroll distribution with our prepaid U.S. Bank Focus Card. For cardholder questions, visit the U.S. Bank Focus Card cardholder website.

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  1. You are generally protected from all liability for unauthorized transactions with Zero Liability. You must call the number on the back of your card immediately to report any unauthorized use. Certain conditions and limitations may apply. See your Cardholder Agreement for details.

  2. For text messages, standard messaging charges apply through your mobile carrier and message frequency depends on account settings.

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The Focus Card is issued by U.S. Bank National Association pursuant to a license from Visa U.S.A. Inc. or Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Member FDIC.

An email address is required for all requests. We use email to communicate information about your request. Confidential, personal or financial information will never be sent or requested in an email from U.S. Bank.

By providing U.S. Bank with a telephone number for a cellular phone or other wireless device, including a number that you later convert to a cellular number, you are expressly consenting to receiving communications — including but not limited to prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system — from U.S. Bank and our affiliates and agents at that number. This express consent applies to each such telephone number that you provide to us now or in the future and permits such calls for non-marketing purposes. Calls and messages may incur access fees from your cellular provider.