When to Use This Message
Send a Direct Deposit Setup Request when:
- You're starting a new job and need your paycheck routed to your bank account.
- You're switching banks and need to redirect an existing direct deposit.
- You want to split deposits between two accounts and need the payer to update their records.
- You're setting up government benefits or pension payments to deposit directly.
Message Writing Tips
- Include Routing and Account Numbers: Provide your bank's routing number and your account number — or note that you've attached a voided check if required.
- Specify the Account Type: Clarify whether funds should go to checking or savings to avoid the payer defaulting to the wrong one.
- Give an Effective Date: If you need the change to align with a specific pay period, mention the date so it isn't missed.
- Ask for Confirmation Before the Next Payday: Request a confirmation so you're not caught off guard if the old account is still active on payday.
Frequently Asked Questions
What do I need to set up direct deposit?
Your bank's routing number, your account number, account type (checking or savings), and sometimes a voided check or a pre-filled bank form.
How long does it take for direct deposit to start?
It varies by employer or payer, but most take one to two pay cycles to fully switch over — keep your old account open until it's confirmed.
Can I split my paycheck between two accounts?
Many employers and payroll systems support this — mention the split (amount or percentage per account) clearly in your request.