Thanks for getting back to me. Regarding the rate I quoted of $1.75 per check, this was within QB Payroll upon clicking Direct Deposit. It was a service of QB. Telepay is less expensive but the lead time is quite a bit, like a minimum 2 days. I have between 50 and 80 employees and only a few are salary. Getting that payroll info to them in their timeframe will be tough. I still wish to pursue a CSV directly to our bank. There would be no wiring or transferring of funds and they only need the payroll by 2pm for the next day direct deposits. It also is a flat fee of $20.00 per month, quite a bit less than Telepay. I will call the number you provided to research further.