Flexible banking solutions alleviate tedious, time-consuming tasks. TotalPay® ADP's TotalPay is a comprehensive solution where employees can choose Full Service Direct Deposit or paper ADPChecks issued from an ADP account. The advantages of TotalPay include:

Reduces the payroll-related time and expense of preparing and reconciling paychecks Provides inexpensive access to popular and convenient direct deposit Decreases check fraud exposure Saves time and protects the confidentiality

PAY CARDS
ADP's TotalPay^® Card is a stored-value VISA^®-branded card that can be used for PIN and signature-based transactions everywhere VISA is accepted and at ATMs worldwide. Employees can choose to have all or part of their pay automatically deposited into their TotalPay Card account. It is the only pay card that lets employees choose an issuing bank.

Benefits for your employees include:

No check cashing fees, no charge for VISA purchases or for PIN-based point of sale transactions Choice of issuing bank reduces or eliminates out-of-network ATM convenience fees Immediate access to funds the morning of payday No bank account or credit approval required 24 hour toll-free support in both English and Spanish

Benefits to you as an employer include:

Reduces exposure to check loss and fraud Eliminates need for local checking accounts for payroll-related transactions Eliminates exposure to external check fraud Increases staff productivity by reducing check administrative tasks Helps boost employee productivity by eliminating long waits on check-cashing lines each payday

DIRECT DEPOSIT
ADP's Full Service Direct Deposit (FSDD) offers employees faster access to their wages by electronically depositing their pay into their designated bank accounts. Saves you time and money associated with processing, issuing and reconciling paper checks. Additional benefits include:

Offers inexpensive additional employee benefits (e.g., medical or 401(k)) Helps boost productivity by eliminating long waits on check-cashing lines each payday Helps eliminates the chance for lost or stolen paychecks Provides Earnings Statements detailing employee pay data

PAPER CHECK
ADPCheck^SM eliminates the process of preparing and reconciling paychecks. Your ADPChecks are issued on an ADP account at a local bank. Employees receive the paper checks they prefer, while you save the administrative burden of issuing paychecks. Advantages include:

Reduces payroll check reconciliation to one debit per payroll vs. one for each paycheck issued Provides ADPChecks stuffed in payroll envelopes and signed with an ADP-authorized signature Provides clear, detailed statements of wages and deductions Supplies regular reports of all uncashed items