You’d have to be a _very_ large payroll to have leverage over adp. For many payroll operations between big employers and payroll processors it’s an inner bank

You’d have to be a _very_ large payroll to have leverage over adp. For many payroll operations between big employers and payroll processors it’s an inner bank ledger transfer as the big payroll processors have good reason to maintain accounts at many banks. Vice versa is also true. If you have a very large payroll your treasury team is not put out by having accounts at lots of banks.