Patent ID: 8775279

Claim:
A payroll receiving and accessing system, comprising: an enrollment kit comprising: activation instructions; and an enrollment form for assigning an account identifier that identifies an account for receiving payroll funds due an employee; at least one temporary check and a temporary card; an account activation system having a computer processor that is programmed to: receive an activation request by the employee to activate the account; provide to the employee disbursement options including at least one option for receiving payroll funds both by negotiable instrument and by presentation instrument; receive from the employee a selection from among the disbursement options; and establish the selection; the account, wherein the account is a trustee account for the benefit of the employee for receiving the payroll funds due the employee; and a disbursement system configured to disburse the funds to the employee in accordance with the selection and to provide to the employee disbursement of a personalized presentation instrument a negotiable instrument, wherein the negotiable instrument identifies the employee as a drawer on the negotiable instrument.