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<p>[QUOTE=&quot;medoraman, post: 1449639, member: 26302&quot;]I agree and seriously disagree with Fatima&#039;s assertion most small employers do not offer direct deposit. While I agree that maybe a small contractor who does not keep books may only pay with a check, a large number of small businesses have a payroll service because the cost of complying with all of the tax laws is insane. If you have a payroll service, direct deposit is cheaper than having checks. Also, if you have any kind of accounting software for small business, direct deposit is cheaper than checks. </p><p><br /></p><p>Do you even deal with payroll and accounting Fatima? It doesn&#039;t sound like it from your response.</p><p><br /></p><p>Btw, I do agree with Fatima on credit unions versus banks. I agree the big banks are simply insane in their fees nowadays, and do not understand why anyone would patronize a large bank as an individual unless they have a lot of money and get special treatment. The BAC stock I said was a good buy at $5 I sold off when it got above $9. I do not like the long term prospects of any large banks, since I believe, (and hope), people will recognize the poor value they give today. I use a local bank just for SDB and to deposit checks, using a credit union from my previous state for my main checking account.[/QUOTE]</p><p><br /></p>

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