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I just tell all my customers they must have a bank account. I've thought about including direct express, but I've rarely heard good things about that caliber of a customer.
I wouldn't touch direct bill with a ten foot pole. Just make the customer open an account... More times than not I've had success with them opening an account, and the banks will help them set up DD from SS.
I wouldn't touch direct bill with a ten foot pole. Just make the customer open an account... More times than not I've had success with them opening an account, and the banks will help them set up DD from SS.