Switching your direct deposit | A quick and easy step-by-step guide


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After switching to a better bank, one of the first things you’ll want to do is set up direct deposit to get your paycheck automatically sent to your new account.

Fortunately, crossing this item off your to-do list may only take a minute or two!

Setting up direct deposit for a new bank account

RELATED: How to choose and switch to a better bank for you

The easiest way to start or change direct deposit is to contact your employer’s HR or payroll department, which will have you fill out a direct deposit authorization form.

This form will ask for basic information that you can find in the welcome kit from your new bank:

  • Name of bank or credit union
  • Routing number
  • Account number
  • Account type: checking or savings

Sample check

No paper check? Not a problem!

In order to receive your paycheck via direct deposit, some employers may request a voided check.

Don’t use paper checks anymore? There’s a workaround. See if the bank can provide a letter with your account number and the bank’s routing number to give to your employer.

Some banks, like Capital One 360, even allow you to print a voided check online. Learn more here.

Be patient…

You want to make sure that you write down the correct account number and routing number to avoid any delay in setting up your direct deposit — so double-check those digits!


The process can take one or two pay cycles because some employers test the account first with a zero dollar deposit.

You can also receive Social Security, VA and other federal benefits by direct deposit to your bank or credit union. Visit the Treasury Department’s Go Direct website for the details.

RELATED: New tool offers credit card perks without debit card dangers

More tips on what you need to know about personal banking!

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