DDBU Calculator

Calculate your Savings

Get a quick estimate of the cost savings using Direct Deposit via ACH. Our Direct Deposit calculator uses industry-average data for over thirty variables to provide you with a quick estimate.

Direct Deposit Calculator  
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Switch to Direct Deposit via ACH and Save

Businesses large and small can realize substantial cost savings by switching to Direct Deposit via ACH—from as much as $19,000 per year for a small business to over $5.7 million* for a business with 30,000 employees.

 

Small Business Cost Analysis: 100 Employees

 Current CostsProjected Costs with Direct DepositCost Savings with Direct Deposit
Direct Deposit
Total Annual Cost $840 $3,361 ($2,521)
Cost Per Individual Direct Deposit $0.00 $1.36 ($1.36)
Annual Cost per Employee on Direct Deposit $0 $33.61 ($33.61)
Check
Total Annual Cost $31,877 $9,057 $22,820
Cost Per Individual Paycheck $8.39 $0.00 $8.39
Annual Cost per Employee on Checks $0 $319 $319
Cost of Float
Total Annual Cost $0.00 $1,464 ($1,464)
Cost Per Individual Payment $0.00 $0.39 ($0.39)
Annual Cost per Employee $0 $14.64 ($14.64)
Total
Total Annual Cost $32,717 $13,882 $18,835
Cost Per Individual Payment $8.61 $3.65 $4.96
Annual Cost per Employee $327 $139 $188



Large Business Cost Analysis: 30,000 Employees

 Current CostsProjected Costs
with Direct Deposit
Cost Savings
with Direct Deposit
Direct Deposit
Total Annual Cost $840 $757,154 ($756,314)
Cost Per Individual Direct Deposit $0.00 $0.67 ($0.67)
Annual Cost per Employee on Direct Deposit $0 $25.24 ($25.24)
Check
Total Annual Cost $6,855,092 $9,057 $6,846,035
Cost Per Individual Paycheck 6.01 $0.00 $6.01
Annual Cost per Employee on Checks $228.50 $0.00 $228.50
Cost of Float
Total Annual Cost $0.00 $439,225 ($439,225)
Cost Per Individual Payment $0.00 $0.39 ($0.39)
Annual Cost per Employee $0 $14.64 ($14.64)
Total      
Total Annual Cost $6,855,932 $1,205,436 $5,650,496
Cost Per Individual Payment $6.01 $1.06 $4.96
Annual Cost per Employee $229 $40 $188


*The figures shown here assume that 50% of each company's employees are salaried and 50% are hourly, and that all employees switch from check to Direct Deposit via ACH for payroll.