How to Set Up Direct Deposit

Have your paycheck sent automatically to your bank account without cashing a paper check.

Steps

1
Get your bank account and routing numbers
from your bank's website or a recent check. Keep them handy.
2
Ask your employer for a direct deposit form
or download one from their payroll website. Many companies use an online portal.
3
Fill in your bank details
including the routing number, account number, and account type. Double check every digit.
4
Submit the form
to your payroll or human resources department. Your next paycheck should deposit automatically.

How long does direct deposit take to set up?Show

Most employers process the form within one pay cycle. Your first direct deposit may arrive on the next payday.

Is direct deposit safe?Show

Yes. Direct deposit uses the same secure system banks use for all electronic transfers. No one can steal a paper check.

Can I split my paycheck between two accounts?Show

Yes. Many employers let you send part of your paycheck to checking and part to savings.

What if I change bank accounts?Show

Give your employer a new direct deposit form with the new account details. The old account stops receiving deposits.

Written by the HowToDoStuff.online editorial team. Last updated May 18, 2026.