Rpar,

We are a small family owned business ourselves and most of our clients are also small businesses (like under 20 employees), so only 2 of our clients actually do direct deposit.  The other clients either we print out physical checks for them or they write out their own checks to the employees, we just tell then what the amounts are.

For the direct deposit setup - we actually have the client set it up with their bank that they use for payroll processing and then meet with a bank rep to get setup online with said bank to process the ACH.

I haven't figured out much with the EasyACCT program when I started. Yes, it was 12 years ago, but not much "down time" to play with the program.  And unfortunately, there are no classes or videos or even manuals on this program to get an idea on how to do things.

I hope this helps.