Need to change where my direct deposit goes

A) Changing your direct deposit is fairly straightforward. Here’s how to get it done:

  1. Find the right place to update your information:
  • Employer: This is the most common source of direct deposit. Check with your HR department or payroll office. They might have an online portal, require a specific form, or have another process. Your employee handbook may also have instructions.
  • Government benefits: If you get Social Security or other benefits directly deposited, you can update your information online at their website (e.g. or by phone.
  • Other sources: For other sources of direct deposit, like pensions or annuities, contact the payer directly to find out how to update your information.
  1. Gather your new account information: You’ll need your new bank’s routing number and your new account number. You can find this information on a check or your bank’s online banking portal.
  2. Submit your update: Follow the instructions provided by your employer, benefit provider, or other payer. This may involve filling out a form, submitting information online, or calling them by phone.

Here are some additional tips:

  • Make sure you enter your new account information correctly. A typo could result in your paycheck going to the wrong account.
  • Allow enough time for the change to take effect. It typically takes one or two pay cycles for direct deposit to be switched to a new account.
  • Consider keeping your old account open for a short period to avoid any disruptions with automatic payments coming out of that account. You can close it later once you’re sure everything has switched over smoothly.

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