Comprehensive and Detailed Explanation:Apre-notification (pre-note) processis used by payroll departments to verifybanking detailsbefore initiatingdirect depositpayments.
Azero-dollar transactionis sent viaACH (Automated Clearing House)to ensureaccount validity.
This stepprevents payment errorsandfraudulent transactions.
Option Ais incorrect becausepre-notes are usually processed 3–6 days before payday, but not necessarilyfivedays in all cases.
Option Bis incorrect becausenot all employers require a pre-note before direct deposit begins.
Option Cis incorrect becauseACH verification does not confirm the employee’s full legal name.
[Reference:, National Automated Clearing House Association (NACHA) – ACH Pre-Notification Guidelines, Payroll.org – Direct Deposit Compliance Rules, , ]
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