How to Change Direct Deposit

Whether you are switching banks, opening a new account, or just updating your information, changing your direct deposit is straightforward. Here is how to do it.

When to Change Your Direct Deposit

• Switching to a new bank or credit union
• Opening a new checking or savings account
• Closing your current bank account
• Changing the deposit split between accounts
• Correcting an error in your routing or account number

Step-by-Step: How to Change Your Direct Deposit

Step 1: Get Your New Banking Information

Before contacting your employer, have your new banking details ready:

• New bank's routing number (how to find it)
• New account number
• A voided check from the new account (generate one)

Step 2: Request a New Direct Deposit Form

Contact your employer's HR or payroll department and request a new direct deposit authorization form. Many companies use online payroll portals where you can update your information directly.

Step 3: Fill Out the Form

Complete the form with your new banking information:

• New bank name
• New routing number
• New account number
• Account type (checking or savings)
• Deposit amount

Step 4: Attach a Voided Check

Provide a voided check from your new bank account. This verifies the routing and account numbers you entered on the form.

Step 5: Submit and Monitor

Submit the form to your payroll department. Keep your old bank account open until at least one paycheck has been successfully deposited into the new account.

Important: Keep Your Old Account Open

Do not close your old bank account until you have confirmed that:

• At least one paycheck has been deposited into your new account
• All automatic payments and subscriptions have been updated
• There are no pending deposits to the old account

Closing your old account too early could cause your paycheck to bounce back to your employer, delaying payment.

How Long Does It Take to Change Direct Deposit?

Most employers process changes within 1-2 pay cycles. During the transition, you may receive one more paycheck in your old account.

Frequently Asked Questions

Can I change my direct deposit online?

Many employers offer online payroll portals (ADP, Gusto, Paychex, Workday) where you can update your banking information directly.

Do I need a new voided check when I change direct deposit?

Most employers require a voided check from your new bank account to verify the updated banking information.

What happens if I close my old account before the change goes through?

Your paycheck may be returned to your employer, and you will need to wait for a paper check or resubmission.

Can I change my direct deposit without telling my employer?

No. Only your employer can update your direct deposit information in their payroll system.

How do I change direct deposit for government payments?

For Social Security, visit ssa.gov or call 1-800-772-1213. For IRS tax refunds, update your banking info on your next tax return.

Generate a voided check for your new bank account →