Well, everyone supposedly has a plan until they get punched in the nose. I'm skeptical that any payroll provider would be fully resilient to their primary bank

Well, everyone supposedly has a plan until they get punched in the nose. I'm skeptical that any payroll provider would be fully resilient to their primary bank failing. They'd need to have a 100% reserve in a secondary account and have instant failover logic in place to update payment flows for all customers. Doesn't sound likely.