Using the Payroll Card is like receiving a paper check. It's just plastic and reusable! Enjoy the convenience and security of receiving your pay on the U.S. Bank Focus Card. Use your card for in-store and online purchase, and even load it with other funds like cash and tax refunds. Your pay will be automatically loaded to your card each payday.
The Commonwealth of Kentucky currently holds a contract with U.S. Bank, in order to offer an alternative to utilizing a personal bank account for direct deposit purposes. This is the U.S. Bank Focus Card, a prepaid Visa ® debit card.
Cardholders have access to thousands of Visa member banks and U.S. Bank, Money Pass and AllPoint ATM locations offering surcharge free and instant access to their pay. Locations for “in-network” ATMs can be found at
Before selecting the Payroll Card to receive your pay, click
to access the Pre-Acquisition Disclosure, the Fee Schedule, and the Pre-Enrollment Disclosure to understand features that
incur a charge (as required by 12 CFR Part 1005 Regulation E).
U.S. Bank Focus - Answers to Frequently Asked Questions (FAQ)
Information on Alerts/Notifications
Interested in enrolling with a Payroll Card?
Enrollment and Update Form and submit it to your agency HR office for processing.
NOTE: Be advised that you may switch to direct deposit via personal bank account at any time.
The Focus Card is issued by U.S. Bank National Association pursuant to a license from Visa U.S.A. Inc.© 2023 U.S. Bank. Member FDIC.