If you have missed work without using paid time off (e.g. sick or vacation days) or leave guaranteed by law, such as by the Family and Medical Leave Act (FMLA), you could be fired for absenteeism--your employer does NOT have to allow you time off from work for medical reasons, except when using PTO or legally guaranteed leave. Similarly, if you can't do the job you were hired for, your employer may terminate you, even if the reason you can't do it is injury from an accident. Since your employer could terminate you, they could take lesser steps, like suspending you as well. And direct deposit is a benefit or luxury, not a right, so the law does not require employers to provide or continue direct deposit. In the situation which you describe, unless you are using PTO or FMLA leave, your employer may take action against you.