Unbanked workers could soon bypass long lines and expensive fees usually found at check cashing sites once Goleta National Bank's Electronic Paycheck begins its national roll-out of employee payroll debit cards.

The recently acquired Electronic Paycheck system, developed for factory workers in the former Soviet republic of Kazakhstan, now operates on a private network for agricultural workers in California. "Banks want to do all direct deposit, and employers really want to do direct deposit, but the kink is you've got... employees who can't take direct deposit," says Douglas King, a principal of Electronic Paycheck. "That's our niche."

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