Paying employees via direct deposit rather than with paper checks provides big green benefits. But a recent survey shows small businesses are still not on the direct-deposit bandwagon.

Seventy-two percent of the more than 4,000 employed adults surveyed by NACHA, the electronic payments association, say their pay is deposited directly, while 27% get a paycheck and 1% are paid in cash. That's up from the 66% paid via direct deposit in a 2008 survey by the Consumer Federation of America.

But only 48% of employees at businesses with fewer than 100 workers are paid via direct deposit, and just 35% at firms with fewer than 30 employees.

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