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If I have a probelm with Direct Deposit, it is going to be more difficult to rectify than with a traditional paycheck.
First of all, problems with Direct Deposit are rare. In fact, you are much more likely to have a problem with a check. But if any matter should arise, all you need to do is contact your payroll officer or financial insititution. The problem can usually be corrected immediately.
With Direct Deposit, more people will have access to my personal account information, and my employer will be able to take money out of my account.
Direct Deposit is a very confidential way to send and receive payments of all kinds. Although the Employer does have a limited ability to reverse your Direct Deposit payment, it cannot access any other funds in your account. On average, fewer people see your account information with Direct Deposit than with checks.
I will not know when my payment has been deposited or the amount that was withheld from my paycheck if I use Direct Deposit.
The Employer will issue a payment stub that is identical to what you receive with a traditional paycheck. It will show how much was deposited in your account and how much was taken out of your pay for taxes, insurance and other items.
I cannot divide my pay among different accounts if I use Direct Deposit.
With Direct Deposit, you can have your pay deposited into any account. This financial flexibility is one of Direct Deposit's best features. Decide where you want your pay deposited, and your plan will be carried out automatically every pay period.
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