Yeah, a simple solution: Get rid of the time clock. Don't these people report to a supervisor who monitors and manages their schedules, approves vacations, etc., etc. Our operations center once had a Simplex punch-card system, and when it was finally removed the morale and productivity most assuredly increased. Time clocks in banking-related operations, even for call centers, is the last remaining circa 1970's monitoring tool which basically says to employees: We don't care about you, or what you think, nor do we care if you care about us. Just punch the clock.