How direct deposit works

It places recurring deposits electronically into your checking or savings account—automatically. Qualifying deposits may include salary, pension, Social Security and Supplemental Security Income (SSI) benefits and other regular monthly income.

Reliable and convenient

  • Have deposits made automatically without making a trip to the bank
  • Get same-day access to your deposit, even when you're out of town
  • Set up Online Banking alerts via email or mobile letting you know when your money is depositedFootnote1
  • Distribute the deposit across multiple Bank of America® accounts

Setting up direct deposit online


What do I need?
You need your Bank of America account and ABA routing numbers in addition to your employer's address.
Locate my account and routing number


Is your check issued by the U.S. Treasury?
You can enroll in direct deposit of all federal benefits payments at your financial center, online at Layer or by calling 800.333.1795.


Already use Online Banking?
Sign in to enroll in direct deposit


Don't use Online Banking?
Provide your employer with a completed direct deposit enrollment request form. Choose your preferred language: Choose your preferred language English (PDF), Spanish (PDF), Korean (PDF), Chinese (PDF) or Vietnamese (PDF).