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You have to pay their daily wages (for being in active party), and if they are not in the party for some reason: you still have to pay the wages under the name of debt. There's no more payments once they are stored after the debt payment or lost to the world.

(+1)

Partially true, you never pay followers not in your party except the moment you dismiss them or transfer them out.

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I've sometimes noticed that while I have like 2-3k in the bank and dismissed members, some guys will go missing though.

Followers waiting around at points of interest have a small daily chance to leave to go find other work. Your party's money has nothing to do with that.