How To Change Your Direct Deposit

Before changing your direct deposit on any platform, you will need the following information for your new bank account:

• Routing Number — A 9-digit number that identifies your bank. You can find this on a personal check (bottom left), in your bank's mobile app under account details, or by calling your bank.
• Account Number — Your unique account number. Also found on checks, in your banking app, or by contacting your bank.
• Account Type — Whether the account is Checking or Savings. Most direct deposits go to checking accounts. Some platforms (like Lyft) only accept checking accounts.

You do NOT need to permanently move your entire paycheck to earn bank bonuses. Most bonus hunters rotate their direct deposit every 1-3 months to collect multiple bonuses per year. Here is the basic strategy.

Temporary Switching

The simplest approach: change your entire direct deposit to the new bank, let 1-3 paychecks hit the account to satisfy the bonus requirement, then switch back to your primary bank (or on to the next bonus). This is the easiest method and what most people start with.

Using Split Deposits (The Power Move)

If your payroll platform supports splitting deposits — and most do — you can send a small amount (for example, $1 or $50) to the bonus bank while keeping the bulk of your paycheck going to your primary account. Many bank bonuses' direct deposit requirements are low — some as low as $200 — and a typical bonus will require a direct deposit of around $500 to $1,000. If your bonus requires $500 as a direct deposit, only send the required amount plus a bit extra (for example, $525 instead of $500) and keep the rest going to your everyday bank account. This makes doing bank bonuses less annoying, because the money you need for bills is already where it needs to be and you don't need to think about moving money around or changing which bank you pay your bills from.

Check the specific bonus terms on the Bank Bonuses page, where we list the direct deposit requirements for each offer.

Cycling Through Bonuses

Once you get comfortable with the process, you can cycle through bonuses continuously. A typical rotation looks like this: open a new bank account that has a bonus, redirect your direct deposit (or a split), wait for the bonus requirements to be met, collect the bonus, then move on to the next one. Many bonus hunters earn $1,000-$3,000+ per year doing this with minimal ongoing effort.

Workday

Step 1: Log in to your Workday account. From the home screen, look for the "Pay" application icon, or type "Payment Elections" into the Workday search bar at the top.

Step 2: Click on "Payment Elections." This page shows your current direct deposit setup, including which bank accounts are on file and how your pay is distributed between them.

Step 3: To add a new bank account, click the "Add" button in the Accounts section. Enter your new bank's routing number (9 digits), account number, bank name, and select the account type (Checking or Savings). Give the account a nickname so you can identify it easily.

Step 4: Once the new account is added, scroll down to the Payment Elections section. Click "Edit" next to "Payroll" (or the relevant pay type). Change the Payment Type to "Direct Deposit" and select your new bank account from the Account dropdown.

Step 5: Choose how you want your pay distributed. Select "Balance" to send your entire paycheck to one account, "Amount" to send a specific dollar amount, or "Percent" to send a percentage. If splitting between accounts, one account must be set to "Balance" to catch the remainder.

Step 6: Click "OK" or "Submit" to save. You may need to re-enter your full account number for security verification. Some employers require administrator approval, so check your email for confirmation.

ADP (Workforce Now)

Step 1: Log in at workforcenow.adp.com (or your company's specific ADP portal URL — ask HR if you are unsure). Some companies use ADP Run or ADP TotalSource, which have similar steps but slightly different menu labels.

Step 2: Navigate to "Myself" in the top menu, then click "Pay," then "Direct Deposit."

Step 3: Click the Add (+) button to add a new direct deposit account.

Step 4: Select a Deposit Number and Deduction Code. Choose "Full Deposit" to send your entire paycheck to this account, or "Partial Deposit" to send a specific dollar amount (note: ADP typically uses dollar amounts, not percentages, for partial deposits).

Step 5: Enter your 9-digit routing number (Transit/ABA number) and your bank account number. Double-check both for accuracy.

Step 6: Read the Direct Deposit Authorization Agreement at the bottom of the page. Check the box to agree, then click "Done" to save your setup.

Step 7: To add additional accounts, repeat steps 3-6.

Paychex Flex

Step 1: Log in to Paychex Flex at paychexflex.com. If this is your first time, click "Sign Up" and use the registration code your HR department provided.

Step 2: Navigate to your Profile, then select "Direct Deposit." You will see a list of your current direct deposit accounts.

Step 3: To add a new account, click "Add a Direct Deposit." Select the account type (Checking or Savings), enter the routing number and account number.

Step 4: Choose how much of your pay goes to this account — Percent of net pay, a Fixed dollar amount, or Remainder of net pay. If you want your entire paycheck going to one account, select "Remainder of net pay."

Step 5: Click "Confirm Changes" and then check the box that says "I acknowledge and accept this request for Direct Deposit(s)." Click "Submit for Approval."

Step 6: Your request is sent to your payroll administrator for approval. You will receive an email when it is approved or denied.

Gusto

Step 1: Sign in to Gusto at gusto.com. Click "My Profile" from the main menu.

Step 2: Under "Information," click "Pay." This shows your current bank account(s) and payment method.

Step 3: To add a new account, click "Add payment method." You can either verify instantly through Plaid (by logging into your bank) or enter your routing and account numbers manually.

Step 4: If you want to split your pay between accounts, choose whether to split by percentage or dollar amount. For percentage splits, your percentages must add up to 100%. For dollar splits, you can drag bank names to reorder which accounts get funded first.

Step 5: Click "Save." If you used manual entry, Gusto will send a test transaction to verify — this may take 2-3 business days.

Step 6: To remove an old account, click the Actions menu (three dots) next to the bank you want to remove, then click "Delete." You will need to complete a security check (2-step verification code).

UKG Pro / UKG Ready (formerly Kronos)

For UKG Pro: Navigate to Menu > My Info > Pay > Direct Deposit. At "Things I Can Do," select "Add" or "Add Direct Deposit." Enter bank name, routing number (9 digits), account number, and account type (Checking or Savings). Choose your allocation — Flat Amount for a specific dollar amount, Percentage for a percent of your pay, or "Available Balance" (also called "Entire/Remainder") to deposit whatever is left after other allocations. Click Save.

For UKG Ready: Log in to UKG Ready. Open the Main Menu (three lines, top left). Expand "My Information" and select "My HR." Click on "HR Actions" and find "Direct Deposit Change_Self Service" or similar. Click "Start." Click the "+Add" button. Enter your banking information. Set the "Calculation Method" — if you want your whole paycheck in one account, choose "Entire/Remainder." Enter your routing number and account number twice for verification. Click Save.

To modify an existing deposit in UKG: Do NOT edit the existing account directly. Instead, set an "Active To" end date on your current deposit (use the end of the current pay period), then add a new deposit starting the day after. The "Active From" date on your new deposit must be the day after you ended the old one.

Paylocity

Step 1: Log in to Paylocity at access.paylocity.com using your Company ID, username, and password.

Step 2: On the Employee Self-Service dashboard, find the "Pay" tile. Click "More" in the bottom right corner of the tile to expand additional options.

Step 3: Select "Direct Deposit Accounts." You will see a dropdown showing any existing accounts.

Step 4: To add a new account, select "Add New Direct Deposit Account" from the dropdown. Select your Account Type (Checking, Savings, or Pay Card). Enter your 9-digit routing number (no dashes or spaces) and account number (no spaces or symbols, 17-character limit). Enter the name on the account.

Step 5: For your main account, you can simply save — the entire paycheck will go to this account. For additional accounts, select the Amount Type: "$" for a flat dollar amount, "%" for a percentage, or "Net Minus" (issues a live check for the dollar amount entered, with the balance deposited into the bank account). Enter the amount.

Step 6: Click Save. To change the order in which accounts are funded, use the radio button and up/down arrows.

Paycom

Step 1: Log in to Paycom via the website or the Paycom mobile app. Enter your username, password, and the last four digits of your SSN (or your PIN).

Step 2: Navigate to "Payroll" from the main screen. Click on "Direct Deposit."

Step 3: To add a new account, tap "Add Account." Choose whether this will be your main direct deposit account or an additional account, then tap "Continue."

Step 4: Enter your Bank Name, Routing Number, and Account Number. You can enter these manually (you will need to enter the routing and account numbers twice for verification) OR tap "Scan Check" and take a picture of a blank check to auto-fill the information.

Step 5: Choose how to distribute your pay — as a specific dollar amount, a percentage, or "Remainder" (everything left after other allocations).

Step 6: Click "Sign and Update" or "Submit" to save. A confirmation pop-up will appear for you to attest to the information.

Ceridian Dayforce

Step 1: Log in to Dayforce. On the home page, click "Profile & Settings" (located under your name and role).

Step 2: Navigate to "Forms" and then find "Direct Deposit" under the Personal section. Alternatively, look for "Changes to Direct Deposits" in the self-service menu.

Step 3: To add a new account, click "Add." Enter the bank name, routing number, account number, and account type.

Step 4: Set the deposit amount. To deposit your entire net pay into one account, leave the amount field blank — Dayforce will deposit whatever remains after other allocations. To split, enter a specific dollar amount or use a percentage for one account and leave the other as the remainder.

Step 5: If you have multiple accounts, use the "Move Up" and "Move Down" buttons to set the priority order. The last account should be set as the "Remainder" to catch everything not allocated to other accounts.

Step 6: Click "Submit" or "Save." Your request is forwarded to your payroll administrator, and you can check the status on the "Requests in Process" page.

QuickBooks Payroll

If your employer allows employee self-service through QuickBooks Workforce:

Step 1: Log in to QuickBooks Workforce (workforce.intuit.com). Your employer should have sent you an invitation to set this up.

Step 2: Navigate to "Payment Method" in your profile settings. Click "Edit" to update your bank information.

Step 3: Enter your new routing number and account number. Click "Save."

If your employer manages direct deposit changes for you (more common with small businesses using QuickBooks):

Step 1: Provide your new bank account details (routing number, account number, account type) to your employer or payroll administrator.

Step 2: Your employer will update your information in QuickBooks by going to Payroll > Employees > selecting your name > Payment method > Edit > entering the new bank account information > Save.

Step 3: QuickBooks will send a test transaction (two small deposits) to your new bank account for verification. This takes 2-3 business days.

Rippling

Step 1: Log in to Rippling at app.rippling.com or open the Rippling mobile app.

Step 2: Navigate to your payment settings. This is commonly found under "My Pay" > "Bank Accounts" or under the Finance menu > "Payment Information." The exact label depends on your company's Rippling configuration — if you cannot find it, try searching "direct deposit" or "bank account" in Rippling's search bar.

Step 3: Click on your current bank account information, or click "Edit" / "Update" to modify your bank details.

Step 4: Enter your new routing number, account number, and account type.

Step 5: Click "Save" to submit the changes. Your HR department may receive a notification about the update.

DoorDash

Step 1: Open the Dasher app on your phone. Tap on the "Earnings" tab at the bottom of the screen.

Step 2: Tap the red bank icon to access your payment settings.

Step 3: Select "Add Bank Account" to add a new bank or update your existing bank information.

Step 4: You may be asked to allow camera access and provide a picture of your ID for verification.

Step 5: Enter your bank's routing number and account number. Make sure this is a checking account — DoorDash does not pay to savings accounts.

Step 6: Enter the 2-step verification code sent to you via text or email to confirm the change.

Uber

Step 1: Open the Uber Driver app. Tap the menu button (three horizontal lines) in the top left corner.

Step 2: Tap "Wallet," then "Payment Methods," then "Bank Account."

Step 3: Choose "Edit" to update your bank details. You will need to verify your ID.

Step 4: Enter your new routing number and account number. These can be found on a personal check or in your banking app.

Step 5: Click "Submit" to save. You can also update your bank details via the web at wallet.uber.com.

Lyft

Step 1: Open the Lyft Driver app. Tap the main menu.

Step 2: Go to "Account," then find "Pay and Tax Info" or "Bank info."

Step 3: Tap "Add bank info" or select the existing bank to edit. Enter your bank's 9-digit routing number (found in the lower left corner of personal checks or in your banking app) and your account number.

Step 4: Type your account number again for confirmation. Click "Save."

Step 5: After you submit or update your bank info, Lyft may send you a text message to confirm the change. Reply to the text to finalize.

Shipt

Step 1: Open the Shipt Shopper app. Navigate to your account or payment settings.

Step 2: Find the section for bank information or payment method. Your bank details were originally entered when you signed up.

Step 3: Update your routing number and account number to the new bank. Follow the on-screen prompts.

Step 4: If you need help, contact Shipt's payments team at payments@shipt.com.

"My direct deposit did not go to my new account"

The most common reason is that the change was submitted after the payroll cutoff date. Most employers lock in direct deposit instructions 3-7 days before payday. If you missed the cutoff, the change will take effect the following pay cycle. Your money is not lost — it went to whatever account was on file at the time of the cutoff.

"My deposit was returned / bounced"

This happens when the routing number or account number was entered incorrectly. The funds will be returned to your employer's payroll department, and you will typically receive the payment on the following pay period (sometimes as a paper check). Contact your HR or payroll team and double-check your bank details before resubmitting.

"My new account is stuck in verification / prenote"

Some payroll systems send a small test deposit (called a "prenote") to verify your new account. This can take up to 10 business days, during which you may receive paper checks. Many modern systems skip this step, so if you have been waiting a long time, check with your HR department.

"I cannot find the direct deposit settings in my portal"

Try searching for "direct deposit," "payment elections," or "bank account" in your portal's search bar. If that does not work, your employer may have restricted self-service changes — contact your HR or payroll department directly.

"Can I change my direct deposit on my phone?"

Most modern payroll platforms (Workday, ADP, Paychex, Gusto, Paycom, Paylocity, Rippling) have mobile apps or mobile-friendly websites that support direct deposit changes. All of the gig apps (DoorDash, Uber, Lyft, Shipt) are mobile-first.

Q: How long does it take to change my direct deposit?

A: The actual change takes less than 5 minutes once you know where to go. However, it may take 1-2 pay cycles for the change to take effect, depending on when you submit it relative to your payroll cutoff date. Some systems also run a verification process on new accounts that can add a few days.

Q: Can I split my paycheck between multiple bank accounts?

A: Yes — most major payroll platforms support splitting your deposit by dollar amount or percentage. This is one of the most powerful tools for bonus hunting because you can send a small portion of your paycheck to a new bonus bank while keeping the rest at your primary bank.

Q: Can I use a savings account for direct deposit?

A: For most employer payroll platforms (Workday, ADP, Gusto, etc.), yes — you can choose between checking and savings. However, some gig apps like Lyft only accept checking accounts. Check the specific platform's requirements.

Q: Will changing my direct deposit affect my taxes?

A: No. Changing where your paycheck is deposited has no effect on your taxes, withholdings, or benefits. Your employer deducts the same taxes regardless of which bank account receives your pay.

Q: Do gig app deposits count as qualifying direct deposits for bank bonuses?

A: Some banks count them and some do not — it depends on how the deposit is coded (ACH vs. payroll). Always check the specific bonus terms on the Bank Bonuses page, or test with a small deposit first before relying on gig income to qualify.

Q: What happens if I enter the wrong routing or account number?

A: Your paycheck will bounce back to your employer's payroll department. You will not lose the money, but you will experience a delay — typically receiving it the following pay period, sometimes as a paper check. This is easily avoided by double-checking your numbers.

Q: Can my employer see which bank I use?

A: Your employer (specifically, the payroll team) can see the bank name, routing number, and last four digits of your account number — this is standard for processing payroll. They cannot see your account balance, transactions, or any other account activity.

Now that you know how to change your direct deposit on any major payroll platform, you are ready to start earning bank bonuses. Head to the Bank Bonuses page to find the best available offers, add them to your Schedule , and redirect your direct deposit to start earning. Remember — your direct deposit has to go somewhere. You might as well get paid extra for where it lands.

New to bank bonuses? Read our Bank Bonuses Explained guide to learn how they work and where to start.