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Effective URL: https://www.chime.com/blog/how-to-set-up-direct-deposit/
Submission: On January 04 via manual from US — Scanned from DE
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Try our rent calculator * Banking Basics * Money Habits * Managing Debt * Credit * Safety and Security * Chime Community * Calculators * Videos Return to main site * Log In * Get Started 1. 2. Banking Basics 3. How to Set Up Direct Deposit in 5 Easy Steps Chime is a financial technology company, not a bank. Banking services, credit, and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A. LOOKS LIKE YOU’RE LOOKING FOR CHIME.COM Chime is a financial technology company, not a bank. Banking services, credit, and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A. Proceed HOW TO SET UP DIRECT DEPOSIT IN 5 EASY STEPS 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. Choncé Maddox • May 15, 2023 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. 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. RELATED POSTS Chime Community HOW TO SET UP DIRECT DEPOSIT WITH CHIME Banking Basics HOW TO SET UP DIRECT DEPOSIT AND HOW IT WORKS Banking Basics HOW TO SET UP DIRECT DEPOSIT WITH THE IRS FOR A FASTER TAX REFUND Banking Basics WHAT TIME DOES DIRECT DEPOSIT HIT? Chime Community HOW TO MOVE MONEY INTO CHIME Chime Community HOW WE GET (YOU) PAID EARLY1 Banking Basics HOW TO READ THE ROUTING NUMBER ON A CHECK Banking Basics HOW TO VOID A CHECK (THE RIGHT WAY) Banking Basics 6 ACCOUNTS WITH EARLY DIRECT DEPOSIT Was this helpful? Did you like the post or would you like to give some feedback? Let us know your opinion by clicking one of the buttons below! This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. Thanks for your feedback! Choncé Maddox Choncé is a Certified Financial Education Instructor (CFEI) and freelance writer who loves to talk about everything personal finance. Her work has been featured in Business Insider, LendingTree, FoxBusiness, and more. This page is for informational purposes only. Chime does not provide financial, legal, or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for financial, legal or accounting advice. You should consult your own financial, legal and accounting advisors before engaging in any transaction. * Benefits * No Monthly Fees * Get Paid Early * Fee-free Overdraft * Build Credit * 60,000+ Fee-Free ATMs * High Yield Savings Account * Send and Receive Money * Security and Control * Company * About Us * Chime Financial, Inc. * In the News * Careers * Trust & Safety * Resources * Do Not Sell or Share My Personal Information * Policies * Chime U.S. Privacy Notice * Help Center * Second Chance Banking * Become an Affiliate * Supporting Those With Disabilities * * Contact Us * 844-244-6363 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 an external website. The privacy policies of the external website may differ from our privacy policies. Please review the privacy policies and security indicators displayed on the external website before providing any personal. 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. © 2013-2024 Chime. All Rights Reserved. Your opt-out preference signal has been honored COOKIE OPTIONS When you visit the Chime website, we store cookies on your browser to collect information. The information collected might relate to you, your preferences, or your device. The information is used to make the site work as expected and to provide a more personalized web experience. However, you can choose not to allow certain types of cookies by toggling the different categories off. You cannot opt out of Strictly Necessary Cookies because they are deployed in order to ensure the proper functioning of the website. 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