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Types of Disbursement Methods

Direct Deposit: The most convenient disbursement type is to do a direct deposit into the employee’s bank account, from the employers. In this case, Zeal will include the employee net pay in the Company Debit number of the employer check (i.e. net pay is debited from the employer’s bank account. The net pay is deposited into the employee bank account at check date. Download check: Checks are useful for certain employees who prefer to be paid in checks instead of direct deposits. We do not include net pay from this employee check in the Company Debit number of the employer check (i.e. net pay is not debited from the employer’s bank account if employee check is “download check”). Net pay is only taken out of the employers bank account when the employee cashes the check. The account / routing number is that of the employers. The link for downloading the check becomes available by check date on the employee dashboard. Physical check: For employees where net pay speed delivery is not an issue, and who prefer to be paid with a physical, mailed check instead of the download check or direct deposit methods. We do not include the net pay amount from this employee check in the Company Debit number of the employer check (i.e. net pay is not debited from the employer’s bank account if employee check is “phsyical check”). Net pay is only taken out of the employers bank account when the employee cashes the check. The account / routing number is that of the employers. The physical check is created on the check date, and sent to the home address listed for the employee in Zeal. Its arrival time will depend on the location of the employee. Prepaid: Prepaid is used when the employer does want to use direct deposit, but instead has an alternate method of paying their employees. In that case, Zeal does not include net pay from this employee check in the Company Debit number of the employer check (i.e. net pay is not debited from the employer’s bank account if employee check is prepaid). Instead the employer is shown the net pay they owe their employees after taking out the appropriate taxes. The employer is responsible for disbursing net pay outside of Zeal. Paycard: If an employee has a paycard, the paycard disbursement method can be used to direct funds to the existing paycard. This allows for instantaneous payout and does not depend on ACH timings and delays. Note: This is only available for Paycards product (Early Access) Instant Pay: If an employee has an Instant Pay wallet, the instant_pay disbursement method can be used to direct funds to their wallet. This allows for instantaneous payout and does not depend on ACH timings and delays. Note: This is only available for Instant Pay product (Early Access)