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At one of my recent seminars at student asked if using in-house computerized accounting is better than using the payroll service that most banks provide. You don't need in-house payroll done on computer to survive in today's business world, but the capability to do so will most certainly make your business more flexible. The Payroll Service Side The bright side of using a bank provided payroll service is cost effectiveness. And, for a slight extra charge, you can have job cost reports formatted to your specifications. A three-day turn-around time can be expected, and end-of-year tax reports make yearend closing a breeze. However, banks do payroll and job costing for contractors and other businesses because of the cash the service generates for