<prompt> Human: So on my first day, the manager gave me this paychekplus visa card that he said I should activate and is where my pay will be deposited into on payday. And that its just like a debit card that I can use anywhere and what not.I dont really know anything about this or how it works, Im only 18 :I have a bank of america account and a debit card already. Id rather not have to go have another account or something on this weird looking paychekplus thing. Is there any risk involved with this? How can I just get direct deposits to my bank of america account? Or even just checks I can drop off, I think id prefer that over having this paychekplus thing.  <response>: Did a bit of googling on this paycheck plus thing:TL;DR: Employers find these programs attractive because the giftcard company likely offers a referral bonus for adding new employees. In return their employees get nickeled and dimed for just using money they earned. 