付款工人有很多选择。您是否考虑过使用直接存款来付款？许多其他雇主都有。实际上，几乎94％的员工通过直接存款收到他们的薪水。

If you’re part of the 6% of employers not using direct deposit to pay your workers, what’s holding you back? To determine if direct deposit is a good fit for your business, check out the benefits of direct deposit, including the pros for both employers and employees.

直接存款：快速回顾

Before we dive into the pros of direct deposit, let’s briefly review什么是直接存款。

Direct deposit is anelectronic funds transfer(EFT) that deposits an employee’s wages directly into their bank account. With direct deposit, you can put your employees’ paychecks directly into their bank account.

Direct deposit laws vary from state to state. Some states may allow employers to requiremandatory direct depositwhile others do not. If you decide to go the direct deposit route, make sure you understand your state’s direct deposit laws as well as federal regulations.

尽管大多数雇主已经使用直接存款来支付其雇员，但有些不同的付款方式include:

• 手写或印刷薪水
• 现金
• 付费卡
• 移动钱包

When it comes to paying employees, do your research to find out what method is the best option for you and your employees (e.g.,直接存款与支票）。

直接存款的好处

使用直接存款向您的员工付款有很多好处。让我们看一下其中的一些，好吗？查看我们直接存款如何使雇员和雇主在下面有何好处。

雇主直接存款的好处

直接存款如何使您作为雇主受益？直接存款，您：

• Don’t have to worry about distributing checks
• 可以从任何位置付款
• 节省耗材的钱（例如，检查库存，墨水等）
• 可以避免工资欺诈方案
• 可以随时随地向员工付款
• Don’t have to stress over a complicated payment process

总体而言，直接存款可以节省大量时间和金钱。直接存款是一种简单，方便且安全的选择，可以向员工付款。

直接存款的好处for employees

Employers aren’t the only ones who benefit from using direct deposit. Check out a few advantages of direct deposit for employees. Employees:

• 不必担心遗忘或者丢失paper checks
• Save time by not having to go to the bank to deposit their paycheck
• Can easily divide the paycheck into several accounts (e.g., $50 goes into savings and the remaining goes into checking)
• 可以立即在发薪日访问他们的薪水
• Can receive their pay no matter where they’re at (e.g., vacation, sick days, working from home, etc.)
• Can have a better way to manage their money

直接存款是员工的节省时间。不必担心将现金或支票存入其银行帐户，而是要放心，因为他们知道这些资金已被安全存入。

一些直接存款弊端要考虑…

与业务中的任何事情一样pros and cons of direct deposit。在直接存款列车上跳下之前，还要权衡直接存款的缺点。

Some cons of direct deposit include:

• 潜在费用：您可能需要支付直接存款的设置和交易费用。
• Time-sensitive: Collect time cards and run payroll by a certain date so employees can receive their wages on time.
• 优先：除非您处于允许您直接存款的状态，否则某些员工可能会选择以不同的方式获得付款（例如，通过支票）。
• Updates: For your employees to get paid, you must have their correct banking information on file and update said information if there are any changes.

设置直接存款：4个步骤

直接存款非常简单，尤其是如果您的工资单提供商提供的押金。如果您决定向员工提供直接存款，请按照几个步骤进行实施。

To set up direct deposit, follow these four steps:

1. 与直接存款提供商注册（或与您的工资单提供商启动设置流程）
2. Gather employee bank account information
3. 输入员工直接存款信息
4. 运行工资单，并直接存款付款

步骤1：与直接存款提供商注册

First things first: find a direct deposit provider. Your provider is who will transfer funds from your account to your employees’ accounts.

You may set up direct deposit through your banking institution. But to do that, you may need to open a business bank account if you don’t already have one. Contact your bank to find out your options, as well as pricing and fees.

If you have a payroll provider, check with them to see what kinds of direct deposit options they have available. Some payroll software companies, like Patriot Software, offer free direct deposit options to customers.

要向提供商建立直接存款，您可能需要方便地获取以下信息：

• 申请，如果适用
• 当前的银行声明
• 业务信息（例如，业务名称和费因）
• Voided business check

步骤2：收集员工银行信息

To pay employees via direct deposit, you need to have their banking details so you know what account(s) to transfer the money to.

从您的员工那里收集以下信息：

• Bank account number(s)
• 路由号
• Bank’s name
• Type of account (e.g., Checking or Savings)

考虑使用表格从您的员工那里收集此信息。如果您使用薪资软件，员工可能能够通过以电子方式通过员工门户。

If an employee wants to split their paycheck into multiple accounts (e.g., 80% checking and 20% savings), have the employee indicate how much they want going to each.

Step 3: Input employee information

收集每个员工的银行详细信息后，您可以将其输入或向银行提供详细信息，以便将直接存款准备好滚动。

If you use payroll software, double-check the information for each employee after you input it to ensure it’s correct. Make sure all employee information is entered before you run payroll with direct deposit for the first time.

Step 4: Run payroll with direct deposit

输入所有员工信息并设置直接存款后，是时候使用您的新付款方式来运行工资。

Each time you run payroll, your employees will automatically be paid with direct deposit.

请记住，您的直接存款提供商可能需要限制和规则，即您何时需要运行薪水以进行直接存款。例如，您可能必须在付款日期之前的四个工作日运行工资单，以确保您的员工获得工资。

向您的提供商查看直接存款要求以及您需要运行工资单以确保您的员工按时付款。

想体验直接存款的优势吗？查看爱国者的在线工资单software. The software is chock-full of features, including free direct deposit, free support, free payroll setup, and a free trial. Try it for free today!

本文从2014年10月24日的原始出版日期开始更新。

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