Direct deposit enables automatic electronic transfer of your paychecks or benefits directly to your bank account or prepaid debit card. Here's a comprehensive guide to setting it up:

1. Obtain a Direct Deposit Form

• Request from your employer (written or online)
• Alternative: Get from your bank/credit union
• For federal benefits (Social Security), use Go Direct or call (800) 333-1795

2. Required Information

• Bank's mailing address
• Bank's routing number (9-digit number)
• Your account number
• Account type (checking/savings)
• Personal details (Social Security number, address)

3. Account Details

• Choose deposit allocation (100% to one account or split between accounts)
• Consider automatic savings by directing a portion to a savings account
• Verify all numbers carefully to avoid delays

4. Documentation

• Attach a voided check if required
• Write "VOID" across a blank check
• Alternative: Use a deposit slip

5. Submission and Processing

• Submit completed form to employer
• Allow several weeks for processing
• Monitor your account for first deposit

Benefits:

• Faster access to funds
• Enhanced security
• Eliminates check-cashing trips
• Enables automatic savings
• May help avoid monthly bank fees
• Required for federal benefits

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