How to Set Up Direct Deposit

Direct deposit is the fastest, most secure way to receive your paycheck. Instead of waiting for a paper check, your earnings are deposited directly into your bank account on payday. Here is how to set it up.

What You Need

Before you start, gather these items:

1. Your bank's routing number — A 9-digit number identifying your bank (how to find it)
2. Your account number — Your individual bank account number
3. A voided check — Most employers require one (generate one here)
4. Direct deposit authorization form — Your employer provides this

Step-by-Step Setup

Step 1: Get Your Banking Information

Find your routing number and account number using one of these methods:

• Check the bottom of a personal check
• Log into your bank's app or online banking portal
• Call your bank's customer service line
• Search for your bank on VoidedCheck.com

Step 2: Get the Direct Deposit Form

Ask your employer's HR or payroll department for a direct deposit authorization form. Many companies include this in new-hire paperwork. Some companies use online payroll systems where you enter your banking details directly.

Step 3: Fill Out the Form

Complete the form with:

• Your full legal name
• Bank name
• Routing number (what is this?)
• Account number (routing vs. account number)
• Account type (checking or savings)
• Deposit amount (full paycheck or a specific dollar amount)

Step 4: Attach a Voided Check

Most employers require a voided check to verify your banking information. Options:

• Void a blank check from your checkbook
• Generate a voided check online
• Ask your employer if they accept a direct deposit form without a voided check

Step 5: Submit and Wait

Submit the completed form and voided check to your payroll department. Direct deposit typically activates within 1-2 pay cycles. Your first paycheck may still be a paper check.

How Long Does Direct Deposit Take to Start?

• Activation: 1-2 pay cycles after submitting your form
• Each deposit: Funds typically arrive on payday morning
• Early access: Some banks (Chime, Cash App, Varo) offer deposits up to 2 days early

Can I Split My Direct Deposit?

Yes. Most employers allow you to split your paycheck across multiple accounts. Common setups:

• 80% to checking, 20% to savings
• A fixed dollar amount to savings, remainder to checking
• Split between two different banks

Ask your payroll department about partial direct deposit options.

Direct Deposit Setup by Bank

• Chase direct deposit
• Wells Fargo direct deposit
• Bank of America direct deposit
• Chime direct deposit
• Cash App direct deposit

Frequently Asked Questions

What if I don't have a checkbook?

Generate a voided check online using your routing and account numbers, or ask your employer if they accept the direct deposit form without a voided check.

Can I change my direct deposit later?

Yes. Submit a new direct deposit form with your updated banking information whenever you switch banks or accounts.

Is direct deposit safe?

Yes. Direct deposit uses the ACH network, the same system banks use for trillions of dollars in transfers annually. It is more secure than paper checks.

What if my employer doesn't offer direct deposit?

Most employers with more than a handful of employees offer direct deposit. If yours does not, ask if they can set it up through their payroll provider.

Do I need to set up direct deposit at every new job?

Yes. Each employer maintains their own payroll system, so you need to provide your banking information to each new employer.

Generate a voided check for direct deposit setup →