A key disadvantage of using a payroll card is that many payroll cards charge fees. These fees can include charges for ATM withdrawals, balance inquiries, monthly maintenance, and other transactions, which can reduce the employee's take-home pay. Additionally, there can be limitations on access to funds, the cards may not always be FDIC insured, and employees might face challenges if the payroll card system experiences technical issues. Other drawbacks include difficulties in recovering lost funds if the card is stolen and some merchants or places not accepting payroll cards as a payment method. In summary, the main disadvantage is the potential for multiple fees associated with payroll card usage, which can make them less cost-effective for employees compared to traditional banking or direct deposit methods.