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If people believe it is hard to move accounts because they have directdeposits or automatic bill payments established, that reflects their inertia (and maybe the difficulty of dealing with their employers). So, it is not as though open banking regulations will give people more choices.
Workers have the option to receive EWA funds at no cost within 1-3 days via ACH, or they can opt to have their directdeposit sent to a reloadable Visa debit card, named Friday by DailyPay. Alternatively, DailyPay charges a fee if employees choose to instantly send EWA wages to a card or account.
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