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Service Credit Union named top CU Direct auto lender

by Lori Holmes @ Service Credit Union

Service Credit Union (SCU) was named the top auto lender in the New England/New York region and 10th nationally for 2017 by CU Direct. CU Direct works with auto dealers and credit unions throughout the U.S. to streamline the auto buying process. Last year, the credit union funded more than 21,000 auto loans at approximately […]

Your Guide to Direct Deposit During the Holidays

by rapid! PayCard @ rapid! PayCard

The holiday season is around the corner, which for some means eggnog and lights on display, but for others it means payroll delays. Automated payment through direct deposit is proven to be more efficient, secure and cost-effective than paper checks. Still, there are a few considerations to keep in mind when switching over to electronic payment — especially around the holidays. The holiday season is a double-edged sword: it’s likely the most expensive time of the year, but is also full of banking holidays which can affect the timeliness of direct deposit. Here’s why. What is the ACH and why does it matter? The Automated Clearing House is an electronic... Read More

Why every business should consider switching to electronic payroll

by rapid! PayCard @ rapid! PayCard

Due to advancements in technology, utilizing payroll checks is becoming an outdated form of payment. Automated payment through direct deposit saves time and money, enhances security1, 2 and can make payday easy for employers and employees. Yet, resistance to modern banking solutions like direct deposit and paycards prevent many businesses from progressing in the 21st century. Paycard technology is growing in popularity, and as the benefits of switching to electronic payroll compound,  it becomes more difficult for businesses to avoid trying out alternative payment methods such as the rapid! PayCard. Still not convinced? Here are 3 reasons why paycheck holdouts are making the switch to a more convenient, modern, and... Read More

Getting Out of Debt: You Can Do It and Here’s How to Get Started

by Liz Oliver @ LRRCU

Most goals or resolutions that people set for themselves are neglected within a few weeks. It’s likely that this happens because people set far-reaching goals for themselves and then lose momentum when they don’t see results right away. A perfect example of this is the financial goal that many people set for themselves: getting out […]

The post Getting Out of Debt: You Can Do It and Here’s How to Get Started appeared first on LRRCU.

Apple Pay Cash is Now Live — How Does it Work?

by rapid! PayCard @ rapid! PayCard

Learn everything you need to know about the new Apple P2P payment system That one friend, the one who still hasn’t repaid you for pizza because he “doesn’t have the right app,” is in trouble. Today, iPhone users can access what experts in the tech industry are calling “the Venmo Killer”: Apple Pay Cash. Apple Pay cash is a P2P payment service which allows users to send and receive payment through iMessage The days of P2P fragmentation are over. Thanks to Apple Pay Cash, all money transfers can take place through a central, default iOS application, and ultimately unify all P2P transactions under one secure, and intuitive, system. How to... Read More

Lacoste vs Polo Ralph Lauren: Products, Prices, Quality, etc, Compared

by Ashley Derrington @ First Quarter Finance

Lacoste vs. Polo Ralph Lauren has been an ongoing debate in fashion, especially when it comes to polo shirts. The “better” brand will depend largely on personal preference. Lacoste polos may be more expensive and elusive than Polo Ralph Lauren polos, but both brands come from higher-end clothing collections that offer a wide range of […]

The post Lacoste vs Polo Ralph Lauren: Products, Prices, Quality, etc, Compared appeared first on First Quarter Finance.

Correcting Employment Taxes: What to Do If You Withhold the Wrong Amount

by Rachel Gray @ Payroll Tips, Training, and News

It’s easy to make mistakes, especially when you have a million and one things on your plate. One error you could make is deducting the wrong amount from employee wages. Correcting employment taxes is necessary if you withhold too much or too little from your employees’ paychecks. This article provides an overview of employment taxes […]

The post Correcting Employment Taxes: What to Do If You Withhold the Wrong Amount appeared first on Payroll Tips, Training, and News.

Should Businesses Stop Accepting Cash?

by rapid! PayCard @ rapid! PayCard

Visa is paying out a jackpot to vendors willing to bet against old money, and roll the dice on cashless transactions. Visa will give $10,000 to 50 restaurants that pledge to go cashless. The new initiative, what Visa executive Jack Forestall calls “a journey to go cashless,” will incentivize vendors to rip off the bandaid of paper transactions and progress to a cashless system. The money can be used for marketing and updating point of sale technology to focus payment exclusively on credit and debit cards and electronic payment. Visa will select participating merchants in August. Cash remains the predominate method of payment, according to the Federal Reserve. A report... Read More

It’s time payment systems caught up with the demands of the gig economy

by rapid! PayCard @ rapid! PayCard

Is your payment system ready for the gig economy or are you just a big wannabe? According to a Forbes article, 35 percent of the workforce have a gig, and collectively they earned $1 trillion from ad hoc work last year. But, freelance workers, who have come to expect payment as instantaneous as their work, are turning their noses up at outdated companies that can’t keep up. If you’re still mailing checks, might as well be using the Pony Express as far as tech-savvy gig workers are concerned. We are on the precipice of a major sea change, and the traditional employment model is quickly becoming as outdated as the... Read More

PNC

PNC


PNC

We can help you gain the confidence you need to make important financial decisions for you, your family or your business.

How P2P Payment is Changing Personal Finance

by rapid! PayCard @ rapid! PayCard

Emerging Peer-to-peer payment technology is growing in popularity, and will soon make back-of-napkin IOUs obsolete. Peer-to-peer payment, also known as P2P payment, is online technology that allows users to transfer funds from a bank account or credit card via the internet or mobile phone. One study found that nearly a quarter of mobile users sent money to another person from an app in 2016 — this statistic nearly triples when it comes to the millennial generation. The growing trend of P2P payment is just another chapter in 21st century technological augmentation of traditional services. Whether it’s ridesharing, online shopping, or P2P payment, consumers are foregoing tradition, and choosing digital alternatives... Read More

Schedule a Check-up for Your Financial Life

by rapid! PayCard @ rapid! PayCard

Most of us are diligent about maintaining the various aspects of our life. We swap out the batteries on our smoke detectors with regularity; we schedule annual physicals, and get our car’s oil changed based on the manufacturer’s mileage recommendation. Still, many of us tend to take better care of our cars than we do our financial life. The irony being, an un-tended financial life can break down just as assuredly as an under-serviced automobile. It can run out of gas, but it can also seize up and need a roadside tow. In short, a well-examined financial life is worth exploring. 1. Schedule. Set a recurring point in time for... Read More

Discount Tire vs Costco, Tire Rack, NBT, etc: Competitors Compared

by Kathrina Bognot @ First Quarter Finance

Discount Tire may be the largest independent tire retailer but it’s certainly not the only one. We have the list of tire retailers, including: Big O Tires, Costco Tires, NTB, Pep Boys, Sears Auto Center, Tire Discounters, and Walmart Auto Care Center. We break down the brands and services offered as well as a general […]

The post Discount Tire vs Costco, Tire Rack, NBT, etc: Competitors Compared appeared first on First Quarter Finance.

Do You Know About the 2017 Tax Filing Extension?

by Liz Oliver @ LRRCU

The date April 15 is probably as quickly recognizable to most Americans as July 4 or December 25. Traditionally recognized as Tax Day, it’s the deadline for filing your previous year’s tax return.  With one month to go, you may be feeling the pressure and scrambling to get the task completed in the remaining days.  But […]

The post Do You Know About the 2017 Tax Filing Extension? appeared first on LRRCU.

When Does Direct Deposit Go Through? | Patriot Software

When Does Direct Deposit Go Through? | Patriot Software


Payroll Tips, Training, and News

If you pay some employees via direct deposit, they might ask you when they will receive their wages. When does direct deposit go through?

Trailer Financing for Bad Credit (or No Credit) Borrowers

by Katie Spence @ First Quarter Finance

Do you need a trailer but have bad credit and no cash? Here are six lenders who can help, regardless of your credit history: Capital Solutions, RockSolid Funding, RV Financing USA, Trailer Solutions Financial, BecksTrailerStore.com, and Worldwide Equipment Sales. Be sure to ask about associated fees and consider trailer insurance if you will be using […]

The post Trailer Financing for Bad Credit (or No Credit) Borrowers appeared first on First Quarter Finance.

Where is my direct deposit?

Where is my direct deposit?


Chime Banking - Support and FAQs

Chime never holds direct deposits and will always post your funds as soon as we receive them from your employer or benefits provider. The timing of your deposit is dependent on when your employer (...

What You Need to Know About a Qualifying Life Event

by Rachel Gray @ Payroll Tips, Training, and News

Employees have a window of time each year to sign up for certain types of employer-sponsored insurance. Although this open enrollment period takes place at the end of each year for all employees, an employee can add or remove coverage at any time of the year if they have a qualifying life event. What is […]

The post What You Need to Know About a Qualifying Life Event appeared first on Payroll Tips, Training, and News.

We Don’t Want You to Wait – Ways to Avoid Being On Hold

by Carolyn Pittman @ Service Credit Union

(And Our 10 Favorite Hold On Songs) Sitting and waiting on the phone for support probably tops most people’s lists of things they would rather not do. Thankfully, the Contact Center at Service Credit Union has invested in a wide variety of options that not only in many cases allow you to avoid picking up […]

4 Reasons Your Bank Balance is Less Than You Thought

4 Reasons Your Bank Balance is Less Than You Thought


The Balance

When you make a deposit, you may expect to be able to access your money at the bank right away. Learn why your money may not be available right away.

USAA's Timing of Military Direct Deposits

USAA's Timing of Military Direct Deposits


Military.com

I’m not a banker at USAA, but I know a few. So, when Kate asked me to write a short post on how and why USAA Bank handles military paydays like we do, I reached out and talked USAA Bank product management Director Matt Doddato for some help and here’s what I learned:

Will the Courts Accept a Jury Duty Excuse Letter If You’re in a Pinch?

by Rachel Gray @ Payroll Tips, Training, and News

Sometimes, you or your employees’ personal responsibilities conflict with your business. For many small businesses, if you miss work or lose an employee for an extended period of time, there can be harmful effects on productivity in the workplace. But if you or an employee are called in for jury duty, you might not have […]

The post Will the Courts Accept a Jury Duty Excuse Letter If You’re in a Pinch? appeared first on Payroll Tips, Training, and News.

Successfully Plan for Holiday Shopping on a Budget [Downloadable Budget Sheet]

by Kara Vincent @ LRRCU

‘Tis the season to be jolly! ‘Tis the season for the gifts, decorations, family, friends, and children on their best behavior. ‘Tis the season for overloaded shopping bags, impulse buying, and credit card bills. Wait! That doesn’t sound as cheery. In 2016, according to a survey conducted by The American Research Group Inc., Americans spent […]

The post Successfully Plan for Holiday Shopping on a Budget [Downloadable Budget Sheet] appeared first on LRRCU.

Service Credit Union donates to the N.H. Food Bank

by Lori Holmes @ Service Credit Union

Service Credit Union donated $10,000 and 1,326 pounds of food to the New Hampshire Food Bank, a program of Catholic Charites NH, in order to help the citizens of New Hampshire. Service Credit Union President/CEO David Van Rossum recently presented the check to New Hampshire Food Bank Executive Director Eileen Groll Liponis to help keep […]

Service Credit Union to offer assistance for those affected by a Government Shutdown

by Lori Holmes @ Service Credit Union

Service Credit Union is committed to helping its members in the event of a government shutdown by covering the December mid-month payroll and offering a 0% loan. If the shutdown occurs and the Defense Finances and Accounting Services (DFAS) does not pay mid-month payrolls, Service Credit Union will post credits to members based on the […]

rapid! PayCard Green Dot Announcement

by rapid! PayCard @ rapid! PayCard

Green Dot to Acquire UniRush, LLC, Operating Company for RushCard and Rapid! PayCard Transaction Expected to Generate Significant Strategic and Financial Synergies PASADENA, Calif.–(BUSINESS WIRE)–Green Dot Corporation (NYSE:GDOT) today announced that it has entered into an agreement to acquire UniRush, LLC, and its operating businesses RushCard, a leading online direct-to-consumer general purpose reloadable prepaid card provider, and Rapid! PayCard, a leading corporate payroll card provider. The acquisition, which maps to “Step Five” of Green Dot’s “Six Step Plan” to enhance shareholder value, materially expands Green Dot’s scale with the addition of the RushCard and Rapid! PayCard installed customer bases, while establishing Green Dot as a formidable player in the growing... Read More

National Teach Children to Save Day

by rapid! PayCard @ rapid! PayCard

Like any company that provides technology to make life easier, we examine the millennial demographic. They are the population sector interested in options – from ways to communicate, to ways to bank. In their April 2016, article, Pew Research Center cited estimates by the U.S. Census Bureau that millennials have now “surpassed Baby Boomers as the nation’s largest living generation”. A powerful consumer force, the members of this group are working “real jobs” and building careers. They are open to alternatives. They also need them as they don’t typically comply with traditional banking methods. Per rapid! PayCard’s October 2016 article about banking options for millennials and the flexibility of getting... Read More

SCU to offer assistance for those affected by a government shutdown

by Lori Holmes @ Service Credit Union

Service Credit Union is committed to helping its members who are affected during the government shutdown. For those with direct deposit, Service Credit Union will post credits to members based on the postings nearest to January 1, 2018. The credit of that amount will take place on or before February 1, 2018. This will apply […]

Fluid Film Review & Auto Undercoating Comparison (Krown, NH Oil)

by Bryan Cockfield @ First Quarter Finance

Automotive undercoating is important to help prevent rust and corrosion, especially in colder climates. Oil-based products like Krown Rust Control, NH Oil Undercoating, and Fluid Film are three popular and effective undercoating brands. “Traditional” undercoating offered by dealerships on new cars isn’t necessarily the same thing and does not prevent rust in the long term. […]

The post Fluid Film Review & Auto Undercoating Comparison (Krown, NH Oil) appeared first on First Quarter Finance.

What Does Pay Frequency Mean?

by Michele Bossart @ Payroll Tips, Training, and News

When you have employees, you need to run payroll so they can receive their wages. Before paying employees, you need to decide on a pay frequency. Your industry, the number of employees you have working for you, the type of workers you have, and legal requirements determine your pay frequency. But first, what does pay […]

The post What Does Pay Frequency Mean? appeared first on Payroll Tips, Training, and News.

For employees: How to check the status of your direct deposit funds transfer

For employees: How to check the status of your direct deposit funds transfer


Help Center

Are you an employee of a business owner who uses Payroll by Wave? If you're paid by direct deposit, follow these instructions if you'd like to check the status of the transfer of your pay.You can ...

The growing gig economy, and what that means for electronic payment

by rapid! PayCard @ rapid! PayCard

Millions of Americans have jobs with little security, no benefits and irregular pay — and they love it. The gig economy is a booming business model that has changed the way employees make money. Gig work translates entrepreneurial spirit into earnings with no strings attached — whether that is to break into a new field, earn extra income for saving and investment, or make some weekend spending money. Nearly a third of the working population have a gig, according to Investopedia. Either as a primary means of income, or as a supplementary job, gigs allow flexibility in employment for a generation characterized by adaptability. This model is especially attractive to... Read More

Answers to 18 Payroll Questions You Are Dying to Ask

by Rachel Gray @ Payroll Tips, Training, and News

For some business owners, running payroll might be like learning a foreign language. You are a master of your business idea, not the administrative responsibilities that come with it. Because you might not be familiar with these responsibilities, you might have some payroll questions. Payroll questions and answers When you become an employer, you need […]

The post Answers to 18 Payroll Questions You Are Dying to Ask appeared first on Payroll Tips, Training, and News.

Consult This Employee Termination Checklist to Keep Things Running Smoothly

by Rachel Gray @ Payroll Tips, Training, and News

Employees leave companies every day to pursue growth opportunities, accommodate personal lives, or experience change. As an employer, you hope employees won’t leave your business, but you know this is wishful thinking. When an employee resigns, you need to know what to do. The average annual overall turnover rate is 19%, according to SHRM. If […]

The post Consult This Employee Termination Checklist to Keep Things Running Smoothly appeared first on Payroll Tips, Training, and News.

SCU AVP Donnelly receives Young Professional Award

by Lori Holmes @ Service Credit Union

Portsmouth, NH – The Cooperative Credit Union Association (CCUA) recently presented Service Credit Union Assistant Vice President of the Contact Center Dennis Donnelly with the Young Professionals Award of Excellence. The award signifies a young professional who best demonstrates a commitment to the values and principles defining the credit union’s mission. Donnelly was one of […]

Direct Deposit Times for All Majors Banks (Chase, Wells Fargo, BofA...)

Direct Deposit Times for All Majors Banks (Chase, Wells Fargo, BofA...)


First Quarter Finance

These are the direct deposit times for Wells Fargo, Bank of America, Chase, ADP, SunTrust, PNC, Huntington, TD Bank, BB&T, Fifth Third Bank, Citizens,

Time needed to process a payroll

Time needed to process a payroll


Gusto

If you're paying your employees through direct deposit, you'll want to run your payroll 4 business days (excluding weekends and bank holidays) prior to your employee payday due to the standard Auto...

Direct Deposit

Direct Deposit


Investopedia

Direct deposit is the deposit of electronic funds directly into a bank account rather than through a physical paper check.

4 Financial Resolutions To Start Any Day of the Year [Downloadable Family Budget Worksheet]

by Kara Vincent @ LRRCU

Who says resolutions have to start on New Year’s Day?  Get yourself started whatever day you feel inspired.  Here are few important financial goals that you can begin whether it’s January 1, August 1 or a random Tuesday in November. #1: Look at the Financial Big Picture – Use Our Family Budget Worksheet You feel […]

The post 4 Financial Resolutions To Start Any Day of the Year [Downloadable Family Budget Worksheet] appeared first on LRRCU.

Financing A New Home: Answering Homebuyer Questions

by Kara Vincent @ LRRCU

Finding the perfect new home can be hard work, but now you also have to navigate the mortgage financing process. There are many questions that arise when it comes to financing a new home. Below we’re answering four questions about financing a new home that homebuyers commonly ask. 1. Should I Be Pre-Qualified or Pre-Approved? […]

The post Financing A New Home: Answering Homebuyer Questions appeared first on LRRCU.

At around what time do you get your direct deposit? - Off-Topic Discussion - GameSpot

At around what time do you get your direct deposit? - Off-Topic Discussion - GameSpot


GameSpot

I think many people nowadays get paid thru direct deposit to bank instead of cheque. So I am supossed to get paid today (Friday), I still didnt get the money. And I am kinda worried cause right now I dont have any money at all and I need it to take a

Why You Don't Get Your Direct Deposit On Weekend | LRRCU

Why You Don't Get Your Direct Deposit On Weekend | LRRCU


LRRCU

Frustrated because you don't receive your direct deposit on holidays and weekends? We're telling you the reasons why.

Great Money Resolutions for the New Year

by Carolyn Pittman @ Service Credit Union

It’s that time of year again, recovering from the indulgences of the holidays, looking over the past year, breaking out the new calendar, and planning to do better in all aspects of life in the coming year. One of the most popular resolutions is to be better with money. The challenge, of course, is sticking […]

Collateral Loans & Hard Money Loans for Bad Credit: List of Providers

by Ellen Seltz @ First Quarter Finance

Finding a hard money lender for an investment property or home takes care. Included in this article is a safe borrowing checklist to help you think through the process and vet potential lenders. We also have the list of nationwide hard money lenders that will work with poor credit, including Allrise Financial Group, Do Hard […]

The post Collateral Loans & Hard Money Loans for Bad Credit: List of Providers appeared first on First Quarter Finance.

What Is an FEIN?

by Mike Kappel @ Payroll Tips, Training, and News

When you run a business, you must meet many IRS requirements. You might need an FEIN to identify your business on documents like payroll tax forms. What does FEIN mean? What is an FEIN? FEIN is an acronym for Federal Employer Identification Number, also known as an EIN. This unique, nine-digit number is used by […]

The post What Is an FEIN? appeared first on Payroll Tips, Training, and News.

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