How Do You Set Up Direct Deposit With Bank of America?
Written by
Karen Doyle
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Amber Barkley
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Direct deposit is a convenient way to receive money from your employer or the government. If you’re a customer with Bank of America, Member FDIC, you can set up direct deposit quickly and easily, and receive your money without a trip to the bank for every check.
Keep reading to learn more about how to set up direct deposit with Bank of America direct deposit and how it works.
Steps To Set Up Direct Deposit With Bank of America
There are multiple ways to set up a Bank of America direct deposit. No matter your chosen method, you must provide information about yourself and your account.
- Gather necessary information: You’ll need to provide your employer’s name and address — you can contact your employer’s payroll office if you’re not sure what to use — along with your account and routing numbers.
- Complete a Bank of America direct deposit form: You can download and print the form through your Bank of America account online with the information you need already filled in. You can also print a blank form, which you’ll find here, or pick one up from a bank branch to fill out yourself.
- Submit your form to your employer or payment provider: Double-check your prefilled form to make sure your name, your employer’s name and address and your account information are entered correctly. Then submit the form to your company’s payroll department. You may also be able to set up direct deposit directly with your employer’s payroll system online.
- Confirm setup with Bank of America or your employer: Follow up with both your employer and Bank of America to confirm that they have all of the information to finalize your direct deposit setup. Be aware that it might take days or weeks for it to go through, so check often, if you can.
How To Set Up a Direct Deposit From the US Treasury
For benefits being paid by the federal government, such as Social Security and Veterans Affairs payments, you have three options. The first is to complete the process online:
- Visit GoDirect.gov to set up direct deposit.
- Complete the online form.
You also can call the U.S. Treasury at 800-333-1795 to enroll by phone or schedule an appointment at a local Bank of America branch during regular business hours.
The process is a little different for tax refunds. If you fill out a paper return, enter the following on your Form 1040:
- Line 35a: The amount of your refund
- Line 35b: Your routing number
- Line 35c: The account type (checking or savings)
- Line 35d: Your account number.
For returns you prepare yourself online or with the software on your computer, select direct deposit as your refund method when you file your return. If you have your taxes professionally prepared, let your tax preparer know that you want your refund directly deposited.
How To Find the Bank of America Direct Deposit Form
You can get a direct deposit form from Bank of America. Log in to online banking on the Bank of America website or head to the Bank of America mobile app to download the form. If you obtain this form directly from your account, it should have some of the necessary information already filled in for you.
If you want to complete this process at a physical bank location, you can ask the teller for assistance on where to find the direct deposit form.
How To Get a Voided Check From Bank of America
Some employers request a voided check to kickstart the direct deposit process.
If you need a voided check, you can simply use a check connected to your bank account. If you don’t have one, you can order some through your Bank of America online account. When you have one, write “VOID” across the entire check to void it.
Bank of America Address for Direct Deposit
If you need Bank of America’s address, their corporate address is:
Bank of America Corporate Center
100 North Tryon Street
Charlotte, NC 28255
If you want to deliver your direct deposit form, consider dropping it at your local branch or providing it to your employer.
When Does Bank of America Direct Deposit Hit?
Bank of America direct deposits typically arrive on the same day they are released by the depositor. However, the exact timeline varies based on your unique situation.
If you are waiting for a direct deposit and want more information on its status, call the customer support team at 800-432-1000 Monday through Friday, from 9 a.m. until 11 p.m. EST and from 8 a.m. until 8 p.m. ET on weekends.
Common Issues and Troubleshooting for Bank of America Direct Deposit
If your funds aren’t received on time, take the time to double-check your information. Giving your employer the wrong bank account number or other incorrect information could result in a mishap. If you spot an error, rush to correct it as soon as possible by getting in touch with both the bank and your employer to resolve the issue.
If want to know when your funds have been deposited, you can set up an automated alert through your online banking account.
Also, if you’re worried about making a mistake while you set up direct deposit, you can contact Bank of America’s customer service or visit a branch for assistance.
More About Bank of America
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FAQs About Setting Up Direct Deposit With Bank of America
Once you begin the process of setting up direct deposit at Bank of America, you'll probably have some questions. Here are some common ones:- How long does it take to set up direct deposit with Bank of America?
- Depending on the situation, it might take one day or a few weeks to get your Bank of America direct deposit processed and working.
- Can I set up a direct deposit with Bank of America if I don't have checks?
- Yes, according to Bank of America, you can set up direct deposit without a check.
- However, some employers may request a voided check. If that's your situation, work with your employer's payroll department for a solution.
- Is it safe to use direct deposit for all types of payments?
- Generally, direct deposits are considered a safe way to send and receive funds.
Sarah Sharkey contributed to the reporting for this article.
Information is accurate as of March 12, 2025.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
