在支付工人时有许多选择。您是否考虑过直接存款支付员工？很多其他雇主都有。事实上，几乎94％的员工通过直接存款接收他们的薪水。
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.
虽然大多数雇主已经使用直接存款来支付员工，但有些不同的付款方式include:
- 手写或印刷的薪水
- 现金
- 支付卡
- 手机钱包
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
使用直接存款将员工支付相当多的好处。我们来看看他们中的一些，我们吗？查看我们在下面的直接存款福利员工和雇主的崩溃。
雇主直接存款的好处
如何将您作为雇主的直接存款受益？直接存款，你：
- Don’t have to worry about distributing checks
- 可以从任何位置支付员工
- 省钱用品（例如，支票库存，墨水等）
- 可以避免工资欺诈方案
- 可以随时随地支付员工
- Don’t have to stress over a complicated payment process
总的来说，直接存款可以节省大量时间和金钱。直接存款是支付员工的简单，方便，安全的选择。
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)
- 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约时间。不必担心将现金或支票存入其银行账户，员工可以轻松了解资金已被安全存放。
几个直接存款缺水前面要考虑......
与商业中的任何东西一样，有pros and cons of direct deposit。在跳跃直接存款火车之前，还衡量直接押金的缺点。
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.
- 偏好：除非您处于一个允许您直接存款的国家，否则有些员工可以选择获得不同的方式（例如，通过检查）。
- 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步
建立直接存款非常简单 - 特别是如果您的工资提供商提供它。如果您决定向员工提供直接存款，请遵循几步才能实现其实施。
To set up direct deposit, follow these four steps:
- 注册直接存款提供商（或使用您的Payroll提供程序启动设置过程）
- Gather employee bank account information
- 输入员工直接存款信息
- 运行薪资和支付直接存款的雇员
第1步：用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.
要使用提供商设置直接存款，您可能需要使用以下信息：
- 申请，如果适用
- 当前银行对账单
- 商业信息（例如，商业名称和菲恩的）
- Voided business check
第2步：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.
收集员工的以下信息：
- Bank account number(s)
- 路由号码
- Bank’s name
- Type of account (e.g., Checking or Savings)
考虑使用表格从您的员工收集此信息。如果您使用Payroll软件，员工可能能够通过电子邮件填写直接存款员工门户网站。
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，您可以输入或向银行提供详细信息以获得准备滚动的直接存款。
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，是时候使用新付款方式运行薪资。
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会在您需要进行直接存款时有限制和规则。例如，您可能必须在薪酬日期前四个工作日运行薪资，以确保您的员工收到其付款。
请咨询您的提供商关于直接存款要求以及需要运行薪资，以确保您的员工按时支付。
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本文从其2014年10月24日的原始出版日期更新。
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