Pay Your Team by Direct Deposit — Through Your Own Bank
Payroll services charge per employee, per pay run, forever. If your payroll itself is simple, the expensive part is just moving the money. FiSTWorks builds the direct deposit file your bank already accepts — for a flat monthly price, no matter how many people you pay.
The Hidden Cost of "Easy" Payroll
Per-employee pricing punishes you for growing
Fees That Scale Against You
Most payroll providers charge a base fee plus $4–$12 per employee, every month. Hire your tenth person and your payroll bill grows — even though nothing about the work changed.
Your Money, Their Timeline
Many services pull funds days early and hold them before payday. Sending the ACH file through your own bank keeps your cash in your account until the money actually moves.
The Bank File Is the Easy Part
If you already calculate wages and withholdings — or your accountant does — the only thing left is a NACHA-formatted file your bank will accept. That's exactly what FiSTWorks builds.
Payday in Five Steps
Set it up once, then repeat in minutes every pay period
1. Set Up Your Bank
Add your company details and your bank once. FiSTWorks validates routing numbers as you type.
2. Add Your Employees
Enter each employee's account details by hand or import your whole roster from a CSV file. They're saved for every future pay run.
3. Verify with Prenotes
Send a zero-dollar prenote to confirm a new hire's account before their first payday — so paycheck one doesn't bounce.
4. Build the File
Enter net pay amounts and generate a NACHA-compliant direct deposit file. Every field is validated before the file is created.
5. Send It to Your Bank
Transmit via SFTP directly from FiSTWorks — on a schedule if you pay every Friday — or download and upload through your bank's portal.
Built for Recurring Pay Runs
The second payroll takes minutes, not hours
Clone Last Payday
Save your pay run as a template. Next period, create a new draft from it, adjust any amounts that changed, and generate. Same team, same accounts, no re-entry.
Payday on Autopilot
Schedule transmissions daily, weekly, or monthly. FiSTWorks delivers the file to your bank on time, and an approval step keeps a human in control of every send.
Validated Before It Leaves
Every file is checked against NACHA formatting rules before you send it — so a typo in an account number gets caught on your screen, not in a rejection from your bank.
Ready to Own Your Payroll File?
Create your account and run your first direct deposit cycle this pay period.
Get Started