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 7/24/2024
  • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
  • Access to more than 15,000 Chase ATMs and more than 4,700 branches
  • 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 - $200 Bonus Offer

Expires 5/31/2024
  • The $200 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 5/31/2024.
  • To qualify, open a 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 account within 90 days of opening.
  • Bank of America will attempt to pay bonus within 60 days.
  • Additional terms and conditions apply. See offer page for more details.
  • Bank of America, N.A. Member FDIC.
Discover Bank
Member FDIC

Online Savings Account - Earn 4.25% APY

  • No fees
  • No minimum opening deposit
  • No minimum balance required
CIT Bank
Member FDIC

CIT Bank Platinum Savings - 5.05% APY

  • 5.05% 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
  • Member FDIC
Bluevine

Free Business Checking - Up to 2.0% APY

  • 2.0% APY on your balance up to $250,000 for customers that meet monthly eligibility requirements
  • $0 minimum opening deposit
  • $0 monthly service fee
Banking services provided by Coastal Community Bank, Member FDIC

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.

Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.

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