What are pros and cons of moving towards direct deposit for our 14c participant payments?

We don’t use DD for these checks and as the program director I would not be in favor of moving to DD because most of our consumers look forward to having a paper check and getting it cashed. There’s a routine associated with it that is fulfilling and important.  Many wouldn’t believe they had been paid if it were direct deposited. Also, most of them don’t have the capacity to track online spending so it would make them more dependent on someone else than increasing independence. Now our finance director would probably love to move to DD because I know we have a lot of uncashed checks floating around.