According to Chabrier, the new rule keeps pace with the change in overdraft protection as paper checks have been replaced with instant debits.

Tennessee will have a hard time keeping pace.

But unions say pay is still failing to keep pace with the rising cost of living.

This happens when bands are not raised with inflation, and do not keep pace with increases in pay, meaning some people are "dragged" into higher tax brackets.

Other Ghanaian favourites have also shot up with wages not keeping pace.