April 15, 2021 4:00 PM PT

How to Setup Direct Deposit with Chase

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Get paid faster when you set up direct deposit with Chase. Here's how to get started below, plus how long it takes to get your money.

Direct deposit is a popular, convenient and secure way to send or receive payments.

If you're not already enjoying direct deposits with Chase, stick around. Below, find out how to set it up and how long it will take to clear funds.

What is Direct Deposit?

Direct deposit lets you automatically deposit paychecks and other income into your savings or checking account. It's a convenient way to send or receive money without paper checks.

You can set up direct deposits for:

  • Payroll
  • Social security and other supplemental benefits
  • Tax refunds or government stimulus payments
  • Child support and maintenance
  • Pay bills

Direct deposits are quick, safe and pretty hands-off. When someone sends you money, you don't need to accept the payment into your account. If you're paying with direct deposit, your checking balance will decrease once the payments leave your bank account.

How to Set Up Chase Direct Deposit?

Take a look at how to set up direct deposit with Chase below.

  1. Sign into Chase.com or the Chase mobile app
  2. Click "Account Services" (the three dots next to your checking account)

  3. Choose "Set up direct deposit"

  4. Download the pre-filled Chase direct deposit form OR download the general direct deposit request form

  5. Give the form and a voided Chase check to your employer's payroll department

Next, your employer will deposit into your bank account. It may take up to two pay cycles for your direct deposit to kick in. You can check your monthly paper statement or monitor your online Chase account to verify that when direct deposit begins.

Required Documents for Direct Deposit

This is what you need to set up direct deposit:

  • Your employer's or depositor's name and address
  • You employee ID or account number with depositor
  • Your Chase Bank account number
  • Your Chase Bank routing number
  • A voided check

In some cases, you may need to complete a direct deposit form for your employer or depositor.

Benefits of Direct Deposit

Direct deposit has several advantages, including:

  • No need to cash check by visiting a local branch/ATM or using Chase mobile deposits
  • No waiting on the mail for check
  • No risk of lost or stolen checks
  • Avoid monthly maintenance fees

How Long Does it Take for Chase Direct Deposit to Take Effect?

Direct deposit may take up to two pay cycles to start after you submit the Chase direct deposit form to your HR/payroll department

How do you know if Chase Direct Deposit is set up?
Reach out to your HR or payroll department to confirm. Once they verify it's been set up, you can log into your Chase account online or with the mobile app to see when the direct deposit hits your account.

When Will Funds be Available Through Chase?

Direct deposits usually hit your bank account immediately. And direct deposit funds are available on the same business day that they're sent to the bank.

Generally, Chase prioritizes all deposits including direct deposits before processing withdrawals, purchases and other transactions.

Does Chase process direct deposits on weekends?
All banks, including Chase, must make your deposit available by the next business day, after it receives funds. So, if your employer initiates a payment on Saturday or Sunday, it will hit your account on Monday.

Does Chase Offer Early Direct Deposit?
Chase does not offer early direct deposit. Direct deposit payments will be available the same business day they're made.

Bottom Line

Taking a few minutes to set up with direct deposit gives you quick and easy access to your cash. Plus, you don't need to wait around for your check in the mail. Time to get rid of physical checks - once and for all.

You can enroll in direct deposit with a Chase checking account. If you don't have a bank account with them yet, take a look at their current Chase coupons and bonus codes.

Chase
Member FDIC

Chase Total Checking® - $300 Bonus

Expires 4/16/2025
  • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
  • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
  • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
  • JPMorgan Chase Bank, N.A. Member FDIC
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
  • Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
Bank of America
Member FDIC

Bank of America Advantage Banking - $300 Bonus Offer

Expires 5/31/2025
  • The $300 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
  • The offer is for new checking customers only.
  • Offer expires 05/31/2025.
  • To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
  • Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
  • Additional terms and conditions apply. See offer page for more details.
  • *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
  • Bank of America, N.A. Member FDIC.
U.S. Bank
Member FDIC

Silver Business Checking account - $500 Bonus

Expires Tomorrow

Promo code Q1AFL25 MUST be used when opening a U.S. Bank Silver, Platinum, or Business Essentials Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts. Business Essentials is not available in all markets; contact a banker for more details.

Earn your $500 Business Checking bonus by opening a new U.S. Bank Silver Business Checking or Business Essentials account between 1/16/2025 and 3/31/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.

Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.

New money is considered money that is new to U.S. Bank. Funds must come from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.

Bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.

Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.

All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.

Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice. Member FDIC.

Discover Bank
Member FDIC

Discover® Online Savings - $200 Cash Bonus

Expires 9/11/2025

To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY325 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. See advertiser website for full details.

CIT Bank
Member FDIC

CIT Bank Platinum Savings - $300 Bonus

  • Transfer a one-time deposit of $50,000+ for a Bonus of $300
  • 4.10% APY with a balance of $5,000 or more
  • 0.25% APY with a balance of less than $5,000
  • No monthly maintenance fee
  • Member FDIC
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