How to Set Up Direct Deposit (New Job Checklist)
Direct deposit setup is five minutes of paperwork that goes wrong surprisingly often — usually a digit. Here's the clean path.
Gather the four details
Bank name, account type (checking/savings), 9-digit routing number, and account number. Both numbers live at the bottom of a check or in your banking app's account details — never the card number.
Complete and sign the authorization
Generate the form above, choose full pay or a split, sign, and attach a voided check if payroll requires one. Photograph a copy for yourself before handing it in.
Mind the cutoff and the prenote
Payroll runs on cutoff dates — submit before the cutoff or wait a full cycle. Many employers send a $0 prenote to test the numbers, so expect the first real deposit on the second cycle.
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