To build efficiencies in the payroll process by eliminating paper checks, employers have used direct deposit since the mid-'70s. This effort to eliminate paper checks was always limited because many employees had no bank accounts. Since ATMs appeared, the… To build efficiencies in the payroll process by eliminating paper checks, employers have used direct deposit since the mid-'70s. This effort to eliminate paper checks was… https://www.aatrix.com/news/2022/07/what-you-need-know-about-paycards/