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 1. 
 2. Banking Basics
 3. How to Set Up Direct Deposit in 5 Easy Steps

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HOW TO SET UP DIRECT DEPOSIT IN 5 EASY STEPS

Choncé Maddox • May 15, 2023

In this article

 1. Get a direct deposit form from your employer
 2. Provide your personal bank account information
 3. Decide how much money you want deposited into your bank account
 4. Include a direct deposit check with your form
 5. Submit your direct deposit form to your employer and monitor your bank
    account
 6. The benefits of direct deposit
 7. Get paid promptly
 8. FAQs about how to set up direct deposit



Setting up direct deposit gives you quicker, easier access to your money. Learn
how direct deposit works, why it’s beneficial, and how to set it up in 5 simple
steps.

You’re likely familiar with the term direct deposit if you work a nine-to-five.
In simple terms, direct deposit is an electronic payment from one bank to
another. And most employers offer direct deposit as a payment option because it
can drastically simplify paying employees. 

With direct deposit, you don’t have to take a physical check to a
brick-and-mortar bank. You don’t even have to take a picture of the check to
deposit it via your smartphone into your bank account. It lands in your checking
account (or more than one checking account) on payday and with no monthly fees.
What’s even better? It’s pretty easy to set up direct deposit. We’re breaking
down the process into five steps.




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GET A DIRECT DEPOSIT FORM FROM YOUR EMPLOYER

Start by asking your employer for a direct deposit form to ensure you provide
all the necessary information to deposit your paycheck from their bank account
to yours.

Although your employer is typically responsible for supplying the form, you can
also request one from your bank.




PROVIDE YOUR PERSONAL BANK ACCOUNT INFORMATION

While completing the direct deposit form, you’ll typically need access to the
following information associated with your bank account, meaning the account you
want your paycheck deposited into:


 * Name(s) of the account holder
 * Bank account number
 * American Bankers Association (ABA) routing number
 * Type of account (checking or savings)
 * Your bank’s name and address
   

You can find most of this information on a voided check, your bank statement, or
via your mobile banking app.




DECIDE HOW MUCH MONEY YOU WANT DEPOSITED INTO YOUR BANK ACCOUNT

Next, determine how much money you want deposited into your bank account. While
depositing your entire paycheck into your checking account is common, you can
also split the payment between your checking and savings accounts.

For example, you may want your employer to deposit 10% of your income into your
savings account and the remaining 90% into your checking account. 

When you enable the Save When I Get Paid feature through Chime, we’ll
automatically transfer 10% of your incoming bank transfers or direct deposits
over $500 to your savings account.

If you don’t have a monthly savings goal, consider trying the 50/30/20 rule and
saving 20% of your paycheck.




INCLUDE A DIRECT DEPOSIT CHECK WITH YOUR FORM

A direct deposit check is simply a voided check. The void status indicates that
you can’t use the check for payment but you can use it to share important bank
account details and information.

Even though you’re already providing this information on the direct deposit
form, verify everything with a voided check to ensure that your paycheck gets
deposited into the correct account




SUBMIT YOUR DIRECT DEPOSIT FORM TO YOUR EMPLOYER AND MONITOR YOUR BANK ACCOUNT

The last step is to verify that the information on your direct deposit form is
accurate before you turn it in. Your employer, or the HR department, should let
you know how long it will take to process your information and set up your
direct deposit.

You may have to wait one or two pay periods, but keep your eye on your bank
account around payday so you’ll know when the direct deposit kicks in.




THE BENEFITS OF DIRECT DEPOSIT

Direct deposit can benefit both employees and employers. Employees who take
advantage of direct deposit will:


 * Get paid faster
 * Have flexible options to split up paychecks
 * Save a trip to the bank 

Likewise, employers who facilitate direct deposit payments can:


 * Decrease the potential of fraud
 * Maintain accurate records
 * Reduce payroll cost




GET PAID PROMPTLY

Learning how to set up direct deposit can help make your financial life simpler 
to navigate. It is easy, free, and will likely be a more convenient way to
receive payment. 

Not only is it a fast and favorable way to pay your employees or get paid by
your employer, but it can also make things easier with the IRS regarding tax
refunds and stimulus payments.

Set up direct deposit with Chime to get paid up to two days early.1


FAQS ABOUT HOW TO SET UP DIRECT DEPOSIT


HOW DOES DIRECT DEPOSIT WORK?

Direct deposit works by submitting personal information along with a direct
deposit to your employer to receive payment directly into your bank account(s).


CAN YOU DIRECT DEPOSIT INTO A SAVINGS ACCOUNT?

Yes. When filling out your direct deposit form, indicate which type of account
you would like the funds deposited to – checking or savings.

Some employers might be able to split your direct deposit into two different
accounts.


WHICH ROUTING NUMBER DO I USE FOR DIRECT DEPOSIT?

The American Bankers Association (ABA) number is the standard routing number you
use for direct deposit. It’s the 9-digit number printed on your bank statement
or along the bottom left of your checks.




HOW LONG DOES DIRECT DEPOSIT TAKE TO SET UP?

Once you set everything up, payments will typically arrive in your bank account
within a week, though it depends on your bank.


HOW DO I SET UP DIRECT DEPOSIT AS AN EMPLOYER?

Setting up direct deposit for your employees is simple. Here are the steps you
will need to take.

 1. Choose a direct deposit provider: This entity will handle and house all of
    the information for your business and your employees. Typically, you have
    two options for direct deposit providers. You can work with the bank that
    houses your business bank account or payroll software with direct deposit
    functionality.
    
 2. Set up your direct deposit service: Once you’ve decided on your direct
    deposit provider, follow the process for setting up your direct deposit. If
    you’re going with your bank, you can call them or use your online portal to
    set up. If you’re using payroll software, it will set up direct deposit for
    you after you put in your information.
    
 3. Obtain employee direct deposit forms and authorizations: Have your employees
    fill out their bank account information. Also, make sure to have your
    employees sign an authorization form that says they give you access to
    transfer funds electronically to their bank account.
    

Next, determine a regular pay schedule that works best for your company and
employees. Communicate that schedule with your employees and payroll
administrators.




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Chime® is a financial technology company, not a bank. Banking services are
provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime
Visa® Debit Card and the Chime Credit Builder Visa® Credit Card are issued by
The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A.
Inc. and may be used everywhere Visa debit and credit cards are accepted. Please
see the back of your Card for its issuing bank.

While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook
gives you the freedom to send checks to anyone, anytime, from anywhere. See your
issuing bank’s Deposit Account Agreement for full Chime Checkbook details.

By clicking on some of the links above, you will leave the Chime website and be
directed to a third-party website. The privacy practices of those third parties
may differ from those of Chime. We recommend you review the privacy statements
of those third party websites, as Chime is not responsible for those third
parties' privacy or security practices.

Third-party trademarks referenced for informational purposes only; no
endorsements implied.

Opinions, advice, services, or other information or content expressed or
contributed here by customers, users, or others, are those of the respective
author(s) or contributor(s) and do not necessarily state or reflect those of The
Bancorp Bank, N.A. and Stride Bank, N.A. (“Banks”). Banks are not responsible
for the accuracy of any content provided by author(s) or contributor(s).

1 Early access to direct deposit funds depends on the timing of the submission
of the payment file from the payer. We generally make these funds available on
the day the payment file is received, which may be up to 2 days earlier than the
scheduled payment date.

~ Out-of-network ATM withdrawal and over the counter advance fees may apply.

Address: 101 California Street, Floor 5, San Francisco, CA 94111, United States.

No customer support available at HQ. Customer support details available on the
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