Direct deposit — convenient, easy access to your money

Skip trips to the bank with direct deposit. Get same-day access to your paycheck or recurring deposits, and receive alerts1 when your money arrives.

Explore our direct deposit FAQs

Use the Mobile app2 to set up direct deposit in a few simple steps
Get started in the app

Other ways to set up direct deposit.

  • Step one

    Log in to the Mobile app and tap "Direct Deposit" under Account Management in your deposit account or ask Erica to "set up direct deposit."
  • Step two

    Find your employer or payroll provider and log in using your work credentials.
  • Step three

    Follow the steps and receive a confirmation.
Step one

Log in to the Mobile app and tap "Direct Deposit" under Account Management in your deposit account or ask Erica to "set up direct deposit."
Step two

Find your employer or payroll provider and log in using your work credentials.
Step three

Follow the steps and receive a confirmation.

For illustrative purposes only.

Other options for setting up direct deposit

Enroll through your employer’s payroll office

Use their online portal, if available. If not, you can provide them with a prefilled form.

Log in to Online Banking and download a prefilled direct deposit form

Not using Online Banking? Enroll now

You’ll need to know:

  • Your Bank of America account and ABA routing numbers. Find them here
  • Your employer’s name and address.

Note: Direct deposit is not available with Bank of America Advantage SafeBalance Banking® for Family Banking accounts.

For federal benefits checks issued by the U.S. Treasury

  1. Enroll online at www.godirect.gov/gpw/
  2. Schedule an appointment at your nearest financial center
  3. Call the U.S. Treasury
    at 800-333-1795

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 Ask Erica®3
in the Mobile app

Tap, talk or type:

  • Set up direct deposit
  • What are my account and routing numbers?
  • Why should I use direct deposit?

And much more

Ask Erica
Scan the QR code to download our app. Bank of America Online Banking log in screen on a mobile device.

Bank simply and conveniently on your own schedule

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Frequently asked questions (FAQs)

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Eligible clients can enroll digitally by selecting their employer or payroll provider using the Bank of America mobile app.

  • Clients enrolling via the mobile app will need to know their sign-in credentials of their employer or payroll provider to be eligible to participate.
  • A direct deposit enrollment form, prefilled or blank, is available through the Bank of America website, in Online Banking, and in the mobile app.  Log in to Online Banking to download a prefilled direct deposit form.
  • You can complete the direct deposit enrollment form online or print the form that will contain the following:
    • Account number
    • Routing number
    • A voided check
    • You can submit the form to the issuer of the direct deposit for completion

Qualifying direct deposits are deposits of regular monthly income (such as your salary, pension, or Social Security benefits) that are made by your employer or other payer using the account and routing numbers that you provide to them. These deposits qualify for Bank of America Advantage Plus Banking® and Senior Economy Checking monthly maintenance fee waiver.

Teller deposits, wire transfers, Online and Mobile Banking transfers, transfers from one account to another, and ATM transfers and deposits are examples of deposits that do not qualify for the monthly maintenance fee waivers.

If you're reordering checks, setting up a direct deposit or an automatic payment or preparing a wire transfer, you'll probably be asked to provide an ABA routing number.

This sample check image shows where the ABA routing number and checking account number can be found on your checks. (Refer to your own check for your specific numbers.)

Sample check indicating the position of ABA check routing number, account number, check number and ACH routing/transit number, which are found at the bottom of the check beneath the memo line

There is no charge for direct deposits.

Log in to Online Banking to download a prefilled direct deposit form

Not an Online Banking customer? Enroll in Online Banking today

You can set alerts for important account activity using Online Banking or the mobile app.

Want us to walk you through it?
Log in to Online Banking to set up direct deposit alerts
Show me how to set alerts on the mobile app

Not enrolled in Online Banking?
Enroll in Online Banking
Get the app

There are 3 ways to enroll in direct deposit of federal benefits:

  1. Visit the U.S. Dept of the Treasury website.
  2. Call the U.S. Dept. of the Treasury at 800-333-1795.
  3. Schedule an appointment at your nearest financial center and we'll be happy to assist you.

Please visit the Social Security website for guidance on how to set up or change direct deposit.

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