Plagued by payroll disruptions outside their control, Costco began exploring ways to
deliver pay on time, every time to their more than 100,000 employees. While direct deposit
was available at Costco, more than 17,000 of their employees were still receiving biweekly
paper checks. Many of these employees were unable to participate in direct deposit because
they lacked banking relationships. Costco needed to offer an electronic pay solution that
employees without bank accounts could embrace