Do I need to get a Fortuna Card or sign up for a Fortuna All-in-One bank account to get On-Demand Pay?

No. You can sign up for a Fortuna Flex Pay account which provides you with early access to your wages. You can transfer your On-Demand Pay funds to your existing bank account for a per-transfer fee of $3 for next-business-day transfers, or $5 for same-day transfers using your debit card.