[The Ghost of FReepers Past]

A check originates with the writer, goes to the payee's bank first, then it goes to the bank it was drawn on. Of course you can stop a check before it reaches your bank. But cannot stop payment on a check after it has cleared your bank.

ACH payroll transactions are different. They orignate with the signer and clear his bank BEFORE they get to the payee's bank.

Go ahead and give your employer the right to debit your account if you want. It's your risk. I'm just warning you.

[newgeezer]

Go ahead and give your employer the right to debit your account if you want. It's your risk.

I'm just trying to determine whether the risk is any different with direct deposit than with a check.

Of course, if you really want to eliminate the risk, insist on being paid in cash or, as another FReeper suggested, in gold.