April 15, 2021 4:00 PM PT

How to Setup Direct Deposit with Chase

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.

Sign into Chase.com or the Chase mobile app
Click "Account Services" (the three dots next to your checking account)
Screenshot of Chase
Choose "Set up direct deposit"
Screenshot of Chase
Download the pre-filled Chase direct deposit form OR download the general direct deposit request form
Screenshot of Chase
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.

Member FDIC

Chase Total Checking® - $300 Bonus

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Expires 1/22/2025

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
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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*

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Bank of America Advantage Banking - $300 Bonus Offer

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Expires 1/31/2025

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 01/31/2025.
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.

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U.S. Bank Smartly® Checking - Up to $450 Bonus

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Expires 12/30/2024

Earn up to $450 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through December 30, 2024. Member FDIC.

Earn up to $450 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:

Enroll in online banking or the U.S. Bank Mobile App
Make two or more direct deposits(s) totaling $2,000 to $4,999.99 to earn $250, $5,000 to $7,999.99 to earn $350 or $8,000 or more to earn $450.

Fund your new account within 30 days to start qualifying activities. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.

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Discover® Online Savings - $200 Cash Bonus

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Expires 3/13/2025

To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY924 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, including co-branded, or affinity accounts. 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 the account qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/13/2025, 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 your Account, see FAQs on Discover.com/Bank. See advertiser website for full details.

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CIT Bank Platinum Savings - 4.35% APY

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4.35% APY with a balance of $5,000 or more
0.25% APY with a balance of less than $5,000
$100 minimum opening deposit
No monthly maintenance fee
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Amber Kong is a content specialist at CreditDonkey, a bank comparison and reviews website. Write to Amber Kong at amber.kong@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.

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