Estimate the amount that your business customers can save by using Direct Deposit instead of checks for payroll.
Get a quick estimate below and then download the calculator to fine-tune the results using a particular organization's payroll cost data.
Use of this Calculator: Please note that the calculations performed utilize industry-average data for over thirty variables and may not provide accurate numbers for any particular company. NACHA and its Marketing Management Group do not in any way warrant that the results obtained using the calculator are accurate for your case, and are not responsible for issues that may arise as a result of your reliance on this product. View Full Terms of Use and Disclaimers
Baseline costs assume that your company maintains a payroll bank account and pays monthly bank fees for ACH, Positive Pay, and Reconciliation services. A flat amount of time for preparation and distribution of checks and/or advices is also assumed. Therefore, the calculator shows minimum annual costs of approximately $9,900. If your costs are significantly different, please download the calculator spreadsheet to fine-tune the results using your own payroll cost data. Assumptions and costs that are used in performing the calculations can be reviewed on the calculation details page.
