The First National Bank direct deposit form authorizes your employer or another payer to send payments electronically into your checking or savings account. You download it from First National Bank’s website, fill in your routing number, account number, and personal details, attach a voided check, and give the completed form to your employer’s payroll or HR department. Expect one to two pay cycles before your first electronic deposit arrives.
Where to Get the Form
First National Bank offers a Universal Direct Deposit Form on its website that you can download, print, and hand to your employer.1First National Bank Texas. Direct Deposit If you use online banking, you can also log in and print a document that already shows your routing and account numbers filled in. Some employers accept that instead of the bank’s form.
Many employers skip the bank version entirely and hand you their own authorization form. The fields are the same either way: routing number, account number, account type, signature. If your workplace uses a payroll provider like ADP, Paychex, or Workday, you may enter everything through a secure portal and never touch paper.
What to Have Ready Before You Start
Three things: your routing number, your account number, and a voided check or substitute document that confirms both.
Finding Your Routing and Account Numbers
The routing number is a nine-digit code that identifies your bank in the payment network.2U.S. Bank. U.S. Bank Routing Number Your account number identifies your specific account at First National Bank. Both appear along the bottom of a personal check: the routing number is the nine-digit block on the lower left, and the account number is the longer number immediately to its right.3Nationwide. Locate Routing and Account Numbers on a Check If the order looks different on your checks, the longer number is the account number.
You can also pull both numbers from First National Bank’s online banking portal or mobile app, or ask a branch representative to confirm them.
Voided Check or Substitute
Employers ask for a voided check because it verifies your routing and account numbers in one glance. To void a check, write “VOID” in large letters across the front and leave it unsigned. If you don’t have personal checks, any of these work in its place:
- A bank letter on First National Bank letterhead listing your routing and account numbers. Most branches provide this at no charge.
- A pre-printed deposit slip, which carries the same numbers.
- A screenshot or downloaded document from the mobile app or online portal showing your account details.
Some employers refuse starter checks — the temporary ones without your name printed on them — so ask payroll before using one.
Filling Out the Form
The layout varies, but the fields are predictable:
- Your legal name and address, exactly as they appear on your bank account.
- Employer name, unless it’s pre-printed.
- Bank name: write “First National Bank” along with the branch address or city where you opened the account.
- Routing transit number: the nine digits. Check every digit twice. A single wrong number routes your pay to another bank or triggers a return.
- Account number: enter it in full, including any leading zeros. Do not include a check number.
- Account type: check either checking or savings. Picking the wrong type causes the deposit to bounce back.
- Deposit amount: full paycheck or a specific dollar amount. If you’re splitting deposits, enter the fixed amount for each secondary account and mark one account to receive the remainder.
Splitting Deposits Across Accounts
Most forms allow two or more accounts. A common setup sends a fixed dollar amount to savings and the rest to checking. If the form supports percentage-based splits, you can send a set share of each paycheck to a different account, which is a straightforward way to fund an emergency account or a separate bill-pay account. Every account you list needs its own routing number, account number, and account type.
Signature and Date
Signing the form authorizes your employer to send electronic credits to your account and, if an overpayment happens, to reverse the error with a debit.4ADP. Employee Direct Deposit Banking Authorization Form Date it the day you sign. Unsigned or undated forms get returned, which delays everything.
Where to Submit It
Give the completed form to your employer’s HR or payroll department. Not the bank. First National Bank’s job is to receive deposits; the employer is the one who initiates them. Depending on your workplace, that might mean handing over a paper form, uploading through an employee portal, or entering the details into a payroll system directly.
One boundary worth noting: if you’re setting up direct deposit for a federal benefit like Social Security, this form doesn’t apply. You’ll use Standard Form 1199A and submit it through the paying agency or your financial institution.5Bureau of the Fiscal Service. Forms
What Happens After You Submit
The Prenote Period
Before any real money moves, most payroll systems send a prenote: a zero-dollar test transaction that confirms your routing number, account number, and account type are valid and that the account accepts ACH entries. The prenote usually takes about ten business days to clear. During that window, you’ll keep getting paper checks.
If the prenote fails — wrong routing number, closed account, mismatched type — the payroll provider gets notified, and you’ll fix the information and restart the process.6Oracle. Understanding Prenote Transaction Records This is why triple-checking those digits on the form matters more than anything else.
Your First Electronic Deposit
Once the prenote clears, your next paycheck arrives in the account. Most people are set up within one or two pay cycles. Check the balance in First National Bank’s mobile app or online portal on payday to confirm the deposit landed. If it didn’t, contact your payroll department first. The delay almost always originates with the employer, not the bank.
Changing or Canceling Direct Deposit
To update your account, switch banks, or change how your paycheck is split, submit a new direct deposit form to your employer. Most companies apply the change by the next pay period. Keep the old First National Bank account open until at least one paycheck has landed in the new one. Closing the old account too early leaves a deposit with nowhere to go.
To cancel entirely and return to paper checks, notify HR or payroll in writing. Some employers have a dedicated cancellation form; others accept a signed letter or email. Give at least one full pay cycle of notice so the switch happens before the next payroll run.
You Can Insist on First National Bank
Your employer can require electronic wage payment, but no employer or government agency may require you to open an account at a specific financial institution as a condition of employment or receiving benefits.7eCFR. 12 CFR 1005.10 – Preauthorized Transfers If your employer pressures you toward a partner bank, you can choose First National Bank instead and the employer must accept it.