If you’re wondering what Direct Deposit is, and how to set it up with Payactiv, you came to the right place. Direct deposit is when money moves electronically into your bank account rather than through a physical, paper check. According to DirectDeposit.org, “Direct Deposit is the way 96% of American workers get paid, and 95% of workers are very satisfied with it.” 

Paying bills with cash can be challenging when much of the world does business online. Direct deposit makes it easy to pay bills, use connected payment cards, and set money aside for the future. Most businesses use direct deposit, and it’s always free for employees. Once you sign up, your paycheck will appear on your account every payday.

When you set up direct deposit to the Payactiv Visa® Card*, you can get paid up to two days early** and get cash at more than 37,000 surcharge-free MoneyPass® ATMs.

The Payactiv Card has lots of other valuable features that make it a great place to keep your paycheck. Pay bills automatically, use SmartSpend to get smart budgeting insights, and save money automatically so you can get closer to your financial goals. The Payactiv Card can be used to make online purchases and can even be added to your digital wallet.

How to Set Up Direct Deposit to the Payactiv Card

With Payactiv, we make setting up direct deposit simple. The first step is to get contact info for your employer’s payroll department. This could be an email or phone number for someone who works in HR at your company, or your direct supervisor. Without this information, you won’t be able to update your payroll preferences and set up Direct Deposit to your Payactiv Card.

After you get contact info for your company’s payroll department, fill out the Direct Deposit form that comes with your Payactiv Card. Your Payactiv Card will have come with a slip containing your account and routing numbers. Fill out the rest of the form, sign, and add the date. Detach the form and give it to your payroll contact, so they can update your new payroll preferences.

Don’t have the direct deposit form? No worries! You can find your account and routing number in the free Payactiv app^. Log into your account, and tap the card icon in the bottom menu. On the Card page, tap on the three dots in the top right corner of the screen. There you’ll find your account and routing numbers. Email yourself the Direct Deposit form, or copy the account and routing numbers to take to your employer’s payroll department.

That’s it!

Direct Deposit is the Best Way to Get Paid

There are lots of reasons to love getting your paychecks with Payactiv. Get paid up to two days faster than your usual payday**, track spending habits, set aside money, and build better money habits all from the Payactiv app^. 

Happy depositing!

* The Payactiv Visa Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. You should consult your Cardholder Agreement and the Fee Schedule at payactiv.com/card411. If you have questions regarding the Card or such fees, terms, and conditions, you can contact us toll-free at 877-747-5862, 24 hours a day, 7 days a week.

** Many (but not all) employers, government benefits providers, and other originators send direct deposits early with an effective date of 1-2 days later. Beginning with your second direct deposit of at least $5 from the same source, Central Bank of Kansas City (CBKC) will post the funds to your Payactiv Visa Card when we receive it, rather than on the effective date. This may result in your having access to the funds sooner. The date CBKC receives your direct deposit and the effective date are controlled by the originator.

^ Standard rates for data and messaging may apply from your wireless provider

All content provided on Payactiv.com/blog/ is for informational purposes only. Payactiv makes no representations as to the accuracy or completeness of any information on this site or found by following any link from this site. Payactiv will not be liable for any errors or omissions in this information nor for the availability of this information. Payactiv will not be liable for any losses, injuries, or damages from the display or use of this information.1 Many (but not all) employers, government benefits providers, and other originators send direct deposits early with an effective date of 1-2 days later. Beginning with your second direct deposit of at least $5 from the same source, Central Bank of Kansas City (CBKC) will post the funds to your Payactiv Visa Card when we receive it, rather than on the effective date. This may result in your having access to the funds sooner. The date CBKC receives your direct deposit and the effective date are controlled by the originator.