Employees gain access to a payroll and work management system by authentication at a multi-purpose terminal with a bankcard encoded with a unique account number and a personal identification number (PIN). The terminal may then be used to check-in and checkout of work, to receive new work instructions or assignments, to review payroll details, to print a payroll stub, to execute financial transactions, to print a receipt of financial transactions or to review or to upload the results of work quality audits. The invention also includes systems and methods that utilize such multi-purpose terminals to calculate the payroll and deductions for each employee and to issue electronic fund transfers from the employer's bank account to deposit the net pay in a bank account associated with each employee's bankcard so that the pay is immediately accessible by each employee, such as by withdrawal of cash at an ATM or by purchases at a point of sale. Electronic payrolls may be processed and employee's accounts credited with pay on a daily basis, or on any preset period of time, including hourly.