There are a few different payment options you can offer your employees. Direct deposit is one popular choice for both employees and employers. Before implementing it at your business, weigh the pros and cons of direct deposit.
什么是直接存款？
Direct deposit is an电子转帐（EFT），含金可以从一个帐户转移到另一个帐户。
With direct deposit, you can put your employees’ paychecks directly into their checking or savings account at their financial institution.
Pros and cons of direct deposit
Some states let employers implement强制性直接存款。在其他州，员工决定是否以这种方式得到支付。无论如何，选择提供直接存款取决于您。
As with any decision, it’s important to consider direct deposit pros and cons. There are pros and cons of direct deposit for employers as well as employees.
Pros of direct deposit
Check out some of the reasons you might consider implementing direct deposit at your small business.
安全
You have worked hard to build your small business. Small business owners don’t want to worry about dealing with工资欺诈schemes like check fraud. If an employee loses a paycheck, your business could be in danger.
Your business’s name and address, as well as your signature, are on checks. Worse, your bank’s account number, routing number, and name are on paychecks. One lost check ending up in the wrong hands can be detrimental to your business’s funds. The information on a check can give someone the means to get into your bank account.
通过直接存款支付员工是安全可靠的。您的员工无需担心丢失纸币或现金。一旦初始设置完成，资金将通过电子方式传输到其银行账户中。
With direct deposit, your employees don’t need to worry about losing their physical paycheck or cash payment. And, you don’t need to worry about a check getting lost and a thief accessing your bank account.
2.方便
直接存款使您的便利使其通过物理处理其工资而无与伦比。您可以随时随地支付员工。
If you’re gone from the office on payday, your employees still receive their wages. If an employee is not at work on payday, they don’t need to stop in to pick up a check.
使用直接存款也可以方便地为希望即时访问其资金的员工。他们不需要去银行存入支票。相反，他们可以使用借记卡立即使用他们的工资。
Direct deposit is a convenient way for you to avoid extra errands. You don’t need to keep buying check stock,printing payroll checks, and distributing them by hand. This saves you both time and money.
3. Easy
Direct deposit isn’t difficult. If you usepayroll softwareto run payroll, you can deposit wages into employee bank accounts in a few simple steps. Enter and approve payroll before sending it to their financial institution. Then, you’re done.
员工也很容易使用直接押金。他们可以选择将部分薪水发送给他们的支票账户，并将其留给储蓄账户。拆分账户之间的薪酬不必为他们花费到银行之旅。
Direct deposit also gives you a record of the wages you pay. That way, you can easily view paid wages.
直接存款的缺点
在设置直接存款之前，请考虑以下内容。
1.偏好
Unless you’re in a state that lets you make direct deposit mandatory, some employees might choose differenttypes of payment。有些员工更愿意接受物理工资，例如，纸质检查，而不是使他们直接存入其账户。
You might have some employees who do not have a bank account. You can only pay employees with direct deposit if they have an active bank account. Employees might need to open a bank account if you are able to make direct deposit mandatory.
作为雇主，您也可能更喜欢直接存款的不同付款方式。
2. Fees
虽然直接存款可以节省您的物资，但您可能会面临费用。例如，一些企业必须支付执行直接存款的费用。设置费用可以从$ 50- $ 149。
您也可以每次从您的帐户转移到员工帐户时收取交易费。这可以从每次转移1.50美元1.90美元。
By using Patriot’sonline payrollsoftware, you avoid the fees that can come with direct deposit. We cover the cost of direct deposit for you to give you free direct deposit.
3.及时性
运行直接存款是时间敏感的。如果你没有收集你的员工time and attendancerecords and run payroll by a certain day, direct deposit won’t be processed and available on payday. Employees do not want to receive late paychecks because of processing times.
When time sheets are not ready, you can choose to expedite the process, which costs you money.
如何设置直接存款
In order to pay employees via direct deposit, you need to collect bank account information from them. And, you need to have direct deposit set up for your business. In some cases, you need a business bank account.
Collect the following information from each employee participating in direct deposit:
- Employee name and signature
- Name and routing number of the bank
- 帐户类型（检查或储蓄）
- 员工的银行账号
您有一些希望通过直接存款支付的员工，有些人想要纸质检查？没问题！爱国者的在线payroll servicesoffer free direct deposit and the ability to print checks. And, our full service payroll will file and remit payroll taxes, so you can focus on revenue generating activities. Try it for free today!
This is not intended as legal advice; for more information, please点击这里。