re: Bank account recs

You had best consider them employees. What happens if one of the workers gets injured on the job? Do you want your insurance to have to cover that person's entire damages, or would you like to limit their claim to workers' compensation coverage? If one of your hired help complains that he was an employee rather than an independent contractor, and it is determined that he was an employee, who do you think will be on the hook for all of the unpaid payroll taxes and penalties for failure to withhold properly?

Pretending workers are independent contractors can save a little money in the short run, but it can be seriously more expensive in the long run if it is determined that your workers were misclassified. The civil fines for misclassifying workers can be up to $25,000 per event.