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Focus Payroll Card

FOCUS Payroll Card

Making Payroll and Other Payments Easier and More Efficient

The U.S. Bank Focus Card is a Visa®-branded prepaid card that replaces costly paper checks for payroll disbursements. Focus allows employers to maximize direct deposit participation by directing payments to a prepaid card. It is a simple, efficient and cost effective solution for maximizing electronic payroll.

Streamline costly and time-consuming payroll administration

U.S. Bank gives your business the flexibility to direct payroll to a prepaid debit card rather than using expensive paper checks.

Scores of businesses nationwide use our payroll card, formerly known as AccelaPay®, to pay employees and streamline payroll administration. And based on the feedback we receive, they like it.

What Customers Are Saying »

How It Works

Businesses simply utilize their existing direct deposit processes to deposit funds onto an employee’s Focus Card account. Employees can then access their funds immediately and use their cards anywhere Visa debit cards are accepted. All employees are eligible for the card, and there are no credit checks or bank accounts required1.

Employer Benefits

  • Immediate and sustained cost savings to the bottom line – Reduce costs associated with paper checks, postage, reconciliation or replacement of lost checks.
  • Maximize electronic payments – Improves participation rates in direct deposit and delivers payroll on time.
  • Ease and convenience – Complements existing direct deposit processes through standard ACH funding or wire transfer.
  • Escheatment – Program is compliant with federal and state regulations and eliminates employer responsibility for state escheatment.

Employee Benefits

  • Convenience – Funds are automatically loaded to the card, so there's no need to cash or deposit a check.
  • Widely accepted – Make purchases or withdraw cash anywhere Visa debit cards are accepted2.
  • Security – If the card is lost or stolen, the funds are protected by Visa Zero Liability3 and are FDIC insured.
  • 24/7 access – Cardholders may call Customer Service or go online to get real-time account information.

Card Features

  • Balance Alerts – Request email or text notifications for activities such as the addition of funds or low balance4.
  • Pay Bills – Directly through the biller or using the online bill management service5.
  • Mobile Banking Application – Perform a balance inquiry or view transaction history using the Focus Mobile Banking Application4.
  • Portability and Reload Networks – Add funds from additional sources via direct deposit and load cash on to the card.
  • Savings Account – Use this interest-bearing account to set aside funds for future spending.
  • Cash Back Rewards – Make purchases that earn cash back – no promotion codes or coupons needed.
  • Add a Card – Request a second card for a friend or family member.

U.S. Bank: A Prepaid Industry Leader

  • One of the largest and most experienced issuers of prepaid cards.
  • Over 500 corporate partners.
  • Most Admired Bank – Fortune 2011.
  • 4-Time Paybefore Award Winner – 2009, 2010, 2011 & 2012.
  • 2011 Top 10 Greenest Banks – Banking Technology News.
  • Member of the American Payroll Association (APA).
  • Member of the American Bankers Association (ABA).
  • Member of the Electronic Payments Association (NACHA).

U.S. Bank provides the necessary materials to get started. Contact us today for information on offering the Focus Card to your employees.

  1. Successful identity verification required. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

  2. Fees may apply to all ATM transactions. Other non-U.S. Bank or non-MoneyPass ATM owners may assess a surcharge fee.

  3. The Visa Zero Liability Policy protects you against unauthorized purchases. U.S.-issued cards only. This does not apply to ATM transactions or to PIN transactions not processed by Visa. You must immediately report any unauthorized use. See your cardholder agreement for details.

  4. U.S. Bank does not charge a fee for mobile banking. Standard messaging and data rates may apply.

  5. The online bill manager is provided by an unaffiliated third party. U.S. Bank is not responsible for and does not guarantee the products, service or performance of third parties including the privacy policy, level of security and terms of use, which are different from U.S. Bank.

The Focus Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. Member FDIC. © 2014 U.S. Bank.

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Customer Testimonials

Here’s what our customers are saying about their experiences using our former payroll card solution, the U.S. Bank AccelaPay Card, to streamline payroll administration.

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