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The Holland Company in Michigan--in order to streamline its bookkeeping--instituted a new payment method.It wanted to pay employees via direct deposit.It sent employees a written

The Holland Company in Michigan--in order to streamline its bookkeeping--instituted a new payment method.It wanted to pay employees via direct deposit.It sent employees a written form announcing the new policy that allowed each individual employee the option to receive wages either by direct deposit to the employee's account at a financial institution or through a payroll debit card.The form stated that failure to return the form within 30 days with the account information necessary to implement direct deposit would be presumed to indicate consent to receiving wages through a payroll debit card.Employee Helga Dorfman got the written notice, but did not respond.37 days later, on the regular payday, Helga received a debit card drawn on a nearby bank with an itemized list of any and all fees, methods for accessing wages without charge, a statement that, if the payroll debit card is used outside of the specified network of automatic teller machines, both the payroll card issuer and the operator of the automatic teller machine may impose charges, a listing of the methods to obtain free balance inquiries, Helga's right to elect to change the method of receiving wages at any time, and that the payroll debit card does not provide access to a savings or checking account.

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