Payroll cards are such a simple idea, it’s astonishing they haven’t become commonplace already. Employees receive a debit card that gets recharged with their net pay each pay period. What does this eliminate the need for? Checking accounts, service charges and overdraft fees, to name a few. If you’re a bank, this innovation stands to cost you a lot of money. So here’s the question. Is there some innovation brewing that could make what you offer less important or even obsolete? If so, can you shift gears toward that business model?