For anyone reading this, I’d suggest looking into prepaid products like Blue Bird from Walmart if you’re unbankable for whatever reason. Gives you everything the ADP card does plus bill pay. As much as I hate Walmart, this product is an Amex product only available at Walmart. After the initial purchase of the card, you don’t have any interaction with them again unless you want to load funds on them, cash or checks, which you can do at a register.