[codedrome]

I am in the UK so I apologise if this is not relevant to the US, but here banks provide payroll services and many small/medium businesses use their own bank.

[furious_george]

Good point, though I'm not sure. To be honest I haven't checked, but will look into that too.

However, it'd be good if we can have a unified system rather than piecemeal, fewer things to worry about.