1 ERTC Additional fees may apply.2 Paychex Promise will be offered free of charge to business owners for the first three months of service, and thereafter will be offered as a complete suite of services for a fixed, all-inclusive fee. Program and/or any of the services offered as part of Program are subject to eligibility and are void where restricted by law.3 IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens a Card Account. WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver’s license or other identifying information. Card activation and identity verification required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions and ATM withdrawals. Restrictions include: no international transactions, account-to-account transfers and additional loads. Use of Card Account also subject to fraud prevention restrictions at any time, with or without notice.The Skylight ONE Prepaid Mastercard is issued by Republic Bank & Trust Company pursuant to a license by Mastercard International Incorporated. Republic Bank & Trust Company, Member FDIC. Netspend, a Global Payments company, is a registered agent of Republic Bank & Trust Company. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to activation, ID verification and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details.Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.Card may be used everywhere Debit Mastercard is accepted.Insurance sold and serviced by Paychex Insurance Agency, Inc., 225 Kenneth Drive, Rochester, NY 14623. CA License #0C28207., Our top picks as the best payroll services for small businesses offer companies more payroll options than Baskin-Robbins has flavors. After putting the 10 products through two rounds of , Gusto, a full service payroll software, is Business.org's top pick for small business payroll companies. Read more on Gusto and our other top 5 brands..