How to Set Up Direct Deposit

Direct deposit is the fastest, safest way to receive your paycheck, tax refund, or government benefits. Here's how to set it up.

✓ Benefits of Direct Deposit

⚡ Faster - Get paid on payday, not days later

🔒 Safer - No lost or stolen checks

🌱 Greener - No paper checks

1
Routing Number
9-digit number identifying your bank. Find yours here
2
Account Number
Your unique account number (found on checks or in online banking)
3
Account Type
Whether it's a Checking or Savings account
4
Bank Name
The official name of your bank

Find your routing number and account number. You can get these from:

Request or download the form from:

Carefully enter:

Some employers require verification. You may need to attach:

✓

Direct deposit typically takes 1-2 pay cycles to activate. Check your account after the first expected deposit to confirm it arrived correctly.

Most employers offer direct deposit. Some may even require it or offer incentives.

Get your IRS refund in as few as 21 days with direct deposit (vs. 6-8 weeks by mail).

Social Security benefits can be deposited directly into your account.

Many schools offer direct deposit for student refunds and financial aid.

• Double-check numbers - One wrong digit can send your money to the wrong account
• Keep records - Save a copy of your completed form
• Split deposits - Many employers let you split between checking and savings
• Update when you change banks - Don't forget to update your info if you switch banks

Learn about routing numbers.

Visual guide to finding your numbers.

Search our database of over 2,000 US bank routing numbers.