How to Set Up Direct Deposit

Adam Rust

Setting up direct deposit is simple to do. Here’s how:

The first step is to obtain a direct deposit form from your employer. If your employer does not have one, then you can find one on the For Employers page at WiseWage.


The payroll department will need the following information:

·         Your bank’s routing number – also sometimes referred to as its “ABA” number. Each bank has a unique routing number. Those routing numbers all have nine digits. You may be able to find it in your account app or online.

·         Your account number. At a traditional bank, your account will have twelve digits. The number of digits used with a prepaid debit card account can vary between thirteen and sixteen digits. Still, you should be careful to make sure that you use the right 16-digit number. With a few exceptions, your account number is not the sixteen digit number embossed on your debit card. You should assume that the numbers are different unless your bank instructs you otherwise.

·         The name of your bank

·         Your bank’s mailing address.

·         The amount that of money that you would like to be drawn from paycheck and delivered by direct deposit to your bank account. You may merely designate that all of your paycheck goes to your account.

We’ve compiled a list of the routing numbers and accounts associated with WiseWage cards.

When your employer completes the paperwork necessary to process your initial direct deposit, it may ask for additional information such as your phone number and your address.

WiseWage Has the forms you will need to set up direct deposit

Even after you’ve collected the necessary information, you’ll still need to gather those points into one place. Wouldn’t it be better if you could have a form?

Each of WiseWage’s partner bank has its direct deposit form. We asked the banks to send those along to us. We’ve done the work for you.

WiseWage’s “For Employees” page has the direct deposit form of each bank.  

Picture of card
set up direct deposit

Even better, those forms will autofill your name and address as soon as she clicks on one of the forms.

The form already has the bank’s name, its preferred address, and its routing number. You’ll have to enter your account number. Save the material that came in the mail with your new account card. It will have your routing number and account number printed on it. If you no longer have that form, do not worry. You can also find it in the mobile app associated with the account.

The last thing you will want to do is to confirm how much of your pay you want to go to your card account. You can check a box to have all of it sent to your account, but if you intend to only send a portion to this account (you might want to send some to a savings account, for example), then you can express that preference here.

Print the form, sign it, and give it to your employer. Hopefully, you will never have to pay a fee to use a check casher again.


You will get your pay earlier. The money should be available to you on the morning of your payday. In some situations, you might be able to access your funds as early as two days before payday.

You won’t have to take your check to a check casher. Depending on how much you had been paying to cash your check, you may save as much as four percent of your paycheck.

You’ll save time. Direct deposit means never having to go somewhere to cash your check. It means one less trip per pay period. You can go straight home after work on Friday. Moreover, once your money has become digitized, you can save more time through online shopping. Likewise, you won't have to drive to pay your utility bills with cash. 

You can direct your employer to split your direct deposit into more than one destination. You will find that automation makes it more convenient to realize your financial goals. Studies show that when people set up an automatic savings plan, they do a better job of building their nest egg.

The Takeaway:

With direct deposit, you will never have to spend your lunch hour waiting to deposit your check at the bank again. Remember the time when you stood outside on a cold December morning, waiting for the branch manager to unlock the doors? Have you ever lost your check? Never again. Have you ever been so busy that you couldn’t get to the bank until a few days after payday? If that did happen, did you have trouble when there wasn’t enough money in your account?

Use direct deposit. Say goodbye to check problems and say hello to the convenience of digital banking!

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