When you work in a company, the company has to pay wages. In this case, do not provide a credit card. You can apply for a bank card, and then the bank card will collect wages.

Salary card.

Salary card, the so-called wage payment agency, refers to the cooperation between banks and some enterprises to uniformly pay employees’ wages. In this way, companies can save worry and banks can also benefit from it. Careful people should notice this phenomenon. Before joining a new company, we are required to apply for a bank card from the same bank as a salary card. At this time, many people will have questions. Why do companies like to apply for bank cards uniformly? Is there anything in it? The real answer may surprise many people.

1. The payment of wages is simple and done once and for all

When the company pays wages, it is basically a public account. To put it simply, employees need to apply for a salary card from the same bank. When paying wages, you only need to enter your name and account number, and the cost is very low. The cooperation between banks and enterprises, as far as the entire process is concerned, means that there is a lot of preparation work to be done before the first salary payment, such as opening a public account for the enterprise, signing an agency payment agreement and an electronic salary list of the enterprise's employees, etc.

Paying wages on behalf of others is different from what we think. Banks do not need to pay wages to each employee one by one. Instead, it uses computers to pay wages in batches. The bank only needs to upload the salary slip produced by the company to the computer and pay wages with one click. It is very simple. What bank wouldn’t like a job that can be done while lying down?

2. Increase bank deposits

For banks, capital reserves are a very important indicator. If a bank cannot pay itself, how many people will come to handle business? We should know that competition among banks is also fierce. If the company cooperates with the bank for a long time, the bank will also give the company certain discounts and rebates. On the one hand, in order to increase user stickiness, on the other hand, enterprises can also enjoy more preferential policies, which can be said to be a "win-win" situation.

In addition, employees’ salary cards are all in the same bank, so it is easier to check whether there are any salary shortages or omissions. In order to avoid the embarrassing situation of not being able to pay employees' wages when payday comes, these companies that have signed wage payment contracts with banks often deposit a sum of money into their corporate accounts. In addition, many employees will not withdraw all their money immediately after their wages are paid, so that the remaining money will become the bank's demand deposit, which is a low-cost deposit that all banks are willing to See things.

3. Inject traffic into the bank and increase the number of customers

If a company signs a contract with a bank, all its employees must apply for bank savings cards. In this way, the bank's customer base will naturally increase. As traffic increases, banks will naturally follow suit and recommend some financial products and their own credit cards to these new users.

4. Easier to get loans

For a company, the stability of cash flow is very important. By unifying employee salary cards, the company can deposit money on a bank card in a bank, and the monthly salary is accumulated together, so that the turnover will naturally accumulate gradually. If the amount of funds in the bank account is large, it will be easier for the company to apply for a loan, which is very good for the company.

In short, there are many benefits to companies applying for salary cards uniformly. There is no loss for us personally, but we may need to apply for a different bank card when changing companies, which is more troublesome. However, it seems to have become an unconscious habit to apply for a salary card from a designated bank when entering the company.