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Top Rated Direct Deposit Payroll Software with 401 tracking

Last updated: June 2026

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47 software options

BambooHR logo

HR software to manage people, payroll and benefits

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BambooHR® centralizes employee, payroll, time, and benefits data in one platform, ensuring accurate, secure, and coordinated information for peace of mind.

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Paylocity logo

One unified platform for HR, Finance, and IT.

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Paylocity’s direct deposit capabilities let employees get paid faster and more securely. Cut paper checks, reduce errors, and save time with easy digital setup and a seamless payroll integration. Boost satisfaction with simple, secure, and flexible payments.

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Zoho Payroll logo

Cloud-based multi-state tax-compliant payroll software

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Zoho Payroll is a cloud-based payroll software compliant with India, UAE,Saudi Arabia and US tax laws with multi-state support.

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Rippling logo

Workforce management across HR, finance, and IT. 

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Rippling runs payroll in minutes with a 100% error-free guarantee, compliance automation, and configurability. No manual work needed.

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Patriot Software logo

Cloud-based accounting and payroll software for businesses

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Patriot Software is an online accounting and payroll software designed for small businesses that helps run payroll operations, handle tax filings, create and send invoices, and more.

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OnPay logo

Cloud-based payroll and HR software for businesses

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OnPay is an easy-to-use, cloud-based software for small and mid-sized businesses to simplify payroll, automate taxes, and manage HR backed by reliable, expert support.

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RUN Powered by ADP logo

Payroll, Tax Filing, HR and Timekeeping

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Simplify payroll with ADP®, automate taxes, reduce errors and pay employees quickly from any device.

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Square Payroll logo

Cloud-based payroll processing solution

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Full service payroll platform that lets users pay their team in a few clicks and manage their business from a unified platform.

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Gusto logo

Gusto is the all-in-one HR platform for growing businesses.

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With Gusto, you get modern HR features like payroll, benefits, hiring, next-day direct deposit and management resources. Gusto is proud to serve more than 500,000 businesses in the US with a single trusted system, competitive compensation tools, and expert guidance to help you empower your team.

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APS Payroll logo

Your Workforce Partner

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APS simplifies payroll with direct deposit capabilities built into a unified HCM platform. We serve small, midsize, and larger organizations with a cost-effective SaaS solution that ensures employees are paid accurately, securely, and on time—backed by full-service tax compliance.

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ActivityHD logo

ERP software for accounting and business management

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ActivityHD is a flexible and comprehensive ERP system that offers customizable tools and management for various complex processes. The software assists businesses of all sizes with payroll processing, accounting, business management and more.

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Justworks logo

Payroll, benefits, HR, and compliance all in one place.

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Justworks helps entrepreneurs start, run, and grow a business more easily by providing access to big-company benefits, automated payroll, compliance support, and HR tools in a single platform.

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Payroll Mate logo

Payroll Software

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Payroll Mate is a payroll software that fits the needs of accountants and small to mid sized businesses to calculates net pay, federal withholding tax, Social Security tax, Medicare, state and more. Also supports payroll pay periods, prints checks, prepares payroll forms 941, 944, 940, W2 and W3.

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Eddy logo

Cloud-based HR management solution

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EddyHR is a cloud-based human resource (HR) management solution designed to help recruiters and HR professionals track applicants and conduct employee on-boarding. Key features include job posting, time-off management, progress tracking, secure document storage, and reporting.

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Fingercheck logo

HR management system for time and attendance tracking

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Fingercheck is a human resource management system (HRMS) that helps businesses manage employees’ payroll, benefits, or insurance and streamline the entire recruitment lifecycle, from applicant tracking to onboarding. Key features include time clock, work scheduling, expense tracking, and more.

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Workful logo

Payroll, Time sheets, and Employee Management.

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Workful is an online human resources management solution that helps small businesses with payroll processing, tax filing, employee onboarding, time tracking, and more. With Workful, users can automatically synchronize payrolls with employee timesheets, reimbursement requests, and paid time off.

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Everee logo

Cloud-based platform for streamlining payroll processes

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Everee is a cloud-based payroll management tool that helps businesses streamline payroll through embedded time tracking, issue notifications and mobile approvals. Employees can choose to be paid daily, weekly, or on-demand, and managers are automatically alerted to any discrepancies in logged hours.

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eeCentral logo

Cloud-based HR management system software

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EBS is a cloud based HR software for handling payroll systems, hiring, labor & time issues and onboarding of new employees

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PayNW logo

Cloud-based human capital management software (HCM)

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PayNW is a human capital management platform designed to automate finance management, operations, & human resource administrative tasks. It offers multi-level cost centers & labor distribution, geospatial tax identification, audit trails & reporting, configurable data exports, & more.

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BizRun HR logo

Human resource management for businesses

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BizRun is a cloud-based human resources (HR) solution for small to medium sized businesses which offers tools for managing leave and time off, payroll, time tracking, compensation, documents, and more. It allows businesses to keep a complete directory of employees for easy management.

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UZIO logo

Payroll, HR software for businesses, ASOs, and PEOs

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UZIO is a SAAS based platform which helps businesses, benefits brokers, professional employer organizations (PEOs), and administrative services organizations (ASOs) manage payroll, onboarding, offboarding, employee benefits, leaves, taxes administration, workers' compensation, and much more.

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PeopleGuru HCM logo

We make payroll the easiest part of your day

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We make payroll the easiest part of your day

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CenterPoint Payroll logo

Better tools for those outgrowing basic payroll systems

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Payroll Software for growing businesses that adds profits by reducing the time and money associated with payroll processing. CenterPoint Payroll Software stands apart from other payroll software programs with features that are not found in basic packages, and won't cost you a bundle like they would in the complex, more expensive packages.

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Roubler logo

Cloud-based HR & workforce management solution

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Designed especially with shift-based teams in mind, Roubler's workforce management system brings everything you need together in one seamless cloud-based system, so there’s no need for messy integrations or multiple platforms. Our software helps you hire, onboard, roster, manage and pay employees.

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Sage HCM logo

Human capital management solution for midsize businesses

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Sage HCM is a cloud-based human capital management solution designed to help midsize businesses manage payroll, benefits, time tracking, attendance, and talent engagement. The platform also helps users streamline the employee life cycle, administration, enrollment, and compliance reporting.

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