Axos Bank | Rabco Payroll

Through our partnership with Rabco Payroll, Axos Commercial clients can fund payroll more efficiently. Traditional payroll providers typically withdraw funds 3-4 days in advance. With Rabco’s Next-Day Direct Deposit, you gain an additional 48-72 hours of liquidity—allowing you to process payroll today, with funds withdrawn and delivered to employees’ accounts tomorrow. This added time supports better cash flow management, reduces payroll errors, and helps keep more of your operating capital in your Axos account longer.
Our partnership with Rabco also removes the need to wire funds for next-day, same-day, or large tax liabilities over $100k—simplifying your payroll workflow and eliminating unnecessary administrative steps.

Yes. Rabco’s platform is designed to scale alongside your business. Whether you’re expanding from one location to fifty locations, the system can seamlessly support additional teams, cost centers, and advanced functionality—without requiring a platform change or disrupting your existing workflows.

Absolutely. Through our partnership with Rabco, Axos clients can leverage Rabco’s advanced payroll engine, which support complex commercial structures and pay rules. The system manages job costing, multi-entity organizations, floating staff, and granular labor allocations that map directly to your General Ledger.
It also automates sophisticated calculations such as multi-state taxation, weighted overtime, and shift differentials. By capturing data at the point of employee punch, clients receive accurate, audit-ready payroll with a clear understanding of true labor costs across jobs, departments, and locations.

No. Rabco’s platform is intentionally built to integrate with your existing ecosystem. It includes a large library of pre‑built connectors for common enterprise tools such as ERPs, POS systems, accounting platforms, 401(k) administrators, and insurance carriers.
If your business uses specialized or proprietary software, Rabco’s Open API makes custom data connections seamless—helping you eliminate manual entry and data silos while maintaining the systems your business already relies on.

Rabco’s platform uses secure, role‑based access so every user—owners, managers, HR teams, and employees—only sees the tools relevant to their role. The experience is consistent across desktop and mobile.

• Executives & Owners: Real‑time labor insights, overtime monitoring, and payroll approvals from anywhere.

• Managers: View staffing, approve time-off, correct punches, fill open shifts, and manage day‑to‑day operations.

• HR & Payroll Teams: Manage onboarding, benefits updates, and payroll tasks; send company‑wide alerts when needed.

• Employees: Access pay stubs, W‑2s, schedules, benefits elections, and direct‑deposit preferences—all without contacting HR.

Rabco approaches implementation as a structured, strategic rollout to ensure a smooth, low‑disruption go‑live for Axos clients. Their process includes four key phases:

1. Discovery & Mapping: Rabco meets with your team to document pay rules, labor allocations, GL requirements, and any organizational complexities to ensure the platform is configured correctly from the start.

2. Configuration & Integration: Your environment is built and tailored using UKG Ready technology. Rabco configures your workflows and connects the system to your existing accounting and benefits platforms. 


3. Validation & Testing: Rabco runs your payroll in parallel with your existing provider to ensure 100% accuracy before go‑live. Your team receives hands-on training and support during the first payroll cycles.


4. Ongoing Success: Once fully implemented, you’ll be partnered with a dedicated Relationship Manager who understands your setup and long‑term goals. Rabco remains engaged to help optimize the platform as your business evolves.