New service for banking

Many companies fix the salary account, which is different form empolyee's account, different bank.

So, this may cause lose of customer for bank, or a development barrier.

I suggest a new service:
For simplicity, let assume there are two banks, S and E, they are the banks hold the accounts for salary and empolyee. Now, the bank E opens an account at bank S for the customer, so, the customer dont need to take care for that account, since the account is belong to bank E, a kind of virtual account. And the customer only need to give that account back to his company.

Every month, the company gives salary to the virtual account in bank S, which is holding by bank E, then, bank E will automatically transfer those salary back to the customer account in bank E.

In the whole process, the bank E is the money holder, it can keep his customer from evacuate. And the whole process can be programed and minimized the cost.