If you have questions or need help understanding how to set up or change direct deposit online, call our toll-free number at 1-800-772-1213 or visit your Social Security office. If you are deaf or hard of hearing, call our toll-free TTY number, 1-800-325-0778, between 8:00 a.m. Monday through Friday.
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You can get a pre-filled direct deposit form or complete one yourself
What if I have U.S. government benefit income such as Social Security or military pay?
expandGo to fiscal.treasury.gov/GoDirect to enroll.
How do I set up direct deposit?
expandWhat information do I need to provide in order to set up direct deposit?
expandHow quickly does direct deposit take effect?
expandDirect deposit usually takes up to two pay cycles to kick in. However, it’s different for each employer. Please check directly with your employer for specific timing.
Whether you’re familiar with ACH or some of its more common names — Direct Deposit, Direct Payment, direct debit, electronic funds transfer (EFT), or an electronic check (eCheck) — you’re already benefiting from its speed, security and ease of use.
When you wake up on payday and see your pay deposited in your account at your financial institution.
When you receive your tax return or Social Security benefit.
When your car loan is paid automatically every month.
The ACH Network electronically moves money and information from any U.S. bank account to another cost-effectively and securely. ACH payments are everywhere!
Nacha oversees the ACH Network, setting and enforcing strict rules that protect your ACH payments and financial information.
Because your money is transferred electronically it is encrypted with bank level encryption, this protects your account, routing number, and other personal information from being compromised.
Virtually all regular ACH payments – except those scheduled for a future date or expedited for the Same Day – are settled no later than the next banking day.
Tell your employer you’d like to be paid electronically with Direct Deposit.
Your employer will provide you a simple form that authorizes electronic deposits into your checking and/or savings accounts. We recommend both with Split Deposit.
Once the authorization form is finalized, your employer will tell you when to expect to start receiving your pay electronically.
With Direct Deposit, electronic payments are made directly into your bank account — there’s no check, and no trip to the bank. It’s just a predictable way of receiving money, and a more convenient way of benefiting from digital tools and money management apps that can help you budget.
Direct Deposit can be used for receiving:
Direct Deposit is the way 93% of American workers get paid, and 95% of workers are very satisfied with it.
Split Deposit allows you to direct a fixed amount or percentage of your pay into a savings or investment account each pay period. You’ll save automatically every time you get paid, and it’s free! Ask your employer if you’re not already using Split Deposit.
With Direct Payment, you can pay for nearly anything electronically.
It’s a no-touch, environmentally friendly way to use your checking or savings account to:
With Direct Payment, you can eliminate the worry of whether or not your check will arrive on time by setting up a recurring payment for things like student loans or mortgage payments.