Direct Deposit for Consumers

Save Time

With Direct Deposit via ACH, you can receive your pay into your checking or savings account, prepaid card, or payroll card on payday. Because your pay is transferred electronically, you get your pay faster, help protect the environment, and save time and money by eliminating use of check cashing services and trips to the bank or credit union.


Better manage your finances

Direct Deposit via ACH puts you in control of your finances. Access your money quickly, pay no additional fees to receive your pay, and use digital tools to manage payroll information and keep financial records. Split Deposit lets you direct a fixed amount or percentage of your pay into a savings or investment account each pay period, helping you save “invisibly.” You can control how much or little you save.

In addition to payroll, Direct Deposit can be used to receive:
• Travel and other employee expense reimbursements
• Bonuses and commissions
• Pension/401K disbursements
• Annuities
• Dividend and interest payments
• Social Security and other government payments
• Tax and other refunds

Keep your money safe

Direct Deposit is a safe choice:  Because money is transferred electronically, it passes through fewer hands than a paper check, greatly reducing the number of people who see your personal information.

Get Started

Direct Deposit is easy to set up. Simply talk to your employer or bank about getting started.

Your employer or bank will provide you with a simple authorization form that authorizes the electronic deposit of funds into your checking or savings accounts for your pay or other recurring deposits. You will be asked to include account details on the authorization form, which can easily be found through your bank’s online banking website or mobile app or on a check.

Remember, your information will be safe and kept confidential. Once your authorization form is complete and finalized, you can begin receiving your pay electronically. 



Employers typically adjust their payroll processing so that funds are available on the first business day before the scheduled pay date. Ask your employer if it does the same.
Your money is generally available to you at the start of business on the day of the deposit.
No. Your money can be deposited into any checking or savings account or distributed among different accounts or deposited onto a payroll or prepaid card.
No. You may use any bank or credit union in the United States that participates in the ACH Network. Most do. Ask your financial institution if they can accept Direct Deposit via ACH.
Direct Deposit via ACH is an electronic payment deposited directly to your checking or savings account. Types of payments deposited can include payroll, employee expense reimbursement, government benefits, tax and other refunds, and annuities and interest payments. It includes any ACH credit payment from a business or government to an individual.
Direct Deposit via ACH is widely used. More than 80 percent of working Americans receive their pay via Direct Deposit. 97% of people who use Direct Deposit via ACH are very satisfied with it.
The authorization form you completed to enroll in Direct Deposit via ACH should have information as to how to revoke authorization and discontinue participation. You may also want to contact your employer or the company issuing your Direct Deposit.
Simply give your new account and financial institution information to your employer or the company issuing your payment. You may also need to complete a new authorization form. Be sure to leave the old account open until the first Direct Deposit via ACH transaction appears in your new account.
The best way to keep transactions confidential from a joint account holder is to open another single account and split your deposits.
Yes. Your payment stub or online service provided by your employer to view payroll information should show the details of your taxes, insurance, or any other deductions.
You may have the option of splitting the deposit between one or more checking or savings accounts. Ask your employer about this option.
For payroll, companies typically issue a dated payment stub that is identical to a paper check stub, or provide employees access to an online service that shows the amount and the date of the deposit, as well as tax and other withholding information.


No. In fact, many financial institutions waive other fees if you use Direct Deposit via ACH. Also, Direct Deposit enables you to avoid the high fees charged by check-cashing services.
The company uses your voided check, or a copy of a document from your bank or credit union, to verify your account number and the institution’s routing transit number to ensure that your Direct Deposit via ACH is set up accurately.
Some states allow companies to mandate Direct Deposit for payroll. Contact your state for more information.
Tell your employer that you're interested in Direct Deposit via ACH. A fact sheet is available to show your employer the benefits of Direct Deposit via ACH.
Your company will provide you with an authorization form that must be completed to sign up. Get Started.


Contact your employer or the company that issued the payment.
Yes. Your transactions are safe and confidential since money transferred electronically passes through fewer hands than a paper check. Also, federal regulations and banking rules provide consumers with protection regarding electronic payments.
Manage your account balances with your statements, mobile banking apps, or online banking service.
Problems with electronic payments are rare and can usually be corrected quickly. If you have a problem, simply contact your employer or the company that issued the payment.
That's very unlikely. Should an error occur, simply notify your employer or the company that sent the payment.
The form that you complete and sign to enroll in Direct Deposit via ACH should only authorize your employer to withdraw money from your account in order to correct an erroneous deposit. There are rules in place to protect you.
Yes. Once you sign up, your information becomes part of an electronic transaction that is sent through the safe and secure ACH Network. In fact, fewer people see your information with Direct Deposit via ACH compared with paper check processing.