Employee Payroll Options

Paychex offers a selection of payroll options, including direct deposit, paycards, and traditional paper checks. Choose options that best meet your employees' needs and increase employee satisfaction.

Direct Deposit

Direct deposit is a convenient and safe way to electronically pay employees — while saving employers time and money. We’ll deposit payroll funds right into employees’ accounts so they can access their wages right away on payday.

Benefits of Direct Deposit

    • Can save $2.87 to $3.15 per payment in place of paper checks.
    • Speeds check reconciliation. All direct deposit amounts can be reconciled on payday.
    • No checks to be signed.
    • No replacements for lost or damaged checks.
    • Eliminates trips to the bank. Wages are automatically deposited into employees’ accounts.
    • Contributes to your business continuity plan by paying employees on time in emergency situations.

Check Signing/Check Insertion

Our check signing and check insertion services include the option of having payroll checks laser-encoded with the employer's signature and inserted into envelopes ready for distribution to employees. This benefit eliminates time spent signing individual checks and doesn't require employers to be on site on payday.

Skylight PayOptions Program

Reduce payroll costs while increasing employee loyalty with Skylight® PayOptions™.

Available at no charge to Paychex clients with direct deposit, the Skylight PayOptions program offers employees the convenience of a debit card without the hassle of a traditional bank account. By offering the Skylight ONE® Prepaid MasterCard® as a payment option, employers and employees alike can enjoy the benefits of many program features, including no monthly maintenance fees and a cash-back rewards program.

Learn about Skylight PayOptions Program


The Skylight ONE Prepaid MasterCard is issued by BofI Federal Bank pursuant to a license by MasterCard International Incorporated. Funds loaded to Skylight ONE Card accounts are held at BofI Federal Bank, Member FDIC. Skylight Financial, Inc., a TSYS® Company, is a registered agent of BofI Federal Bank. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use this card everywhere Debit MasterCard is accepted. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. All other trademarks and service marks are the property of their respective owners. ©2014 Total System Services, Inc.® All rights reserved.