To set up direct deposit into a Chase account, you need the Chase direct deposit form, which you can either download as a blank PDF from chase.com or generate pre-filled with your account details through the Chase Mobile app or Chase Online.1Chase. Set Up Direct Deposit Once it’s filled in and signed, you hand it to your employer’s payroll department (or enter the same information into their online portal), and future paychecks arrive electronically in your account.
Where to Get the Form
Chase offers two versions, and the right one depends on whether you want to type in your own bank details or let Chase fill them in for you.
Blank PDF
The blank form lives on chase.com. Go to the direct deposit setup page and select “Download the form.”1Chase. Set Up Direct Deposit You fill in your routing number, account number, name, address, and the name of the business sending the deposits. This version works if you don’t have a Chase online login yet or your employer specifically wants a paper copy.
Pre-Filled Through the App or Chase Online
If you already bank with Chase online, generating a pre-filled form takes less than a minute and removes the risk of mistyping a digit.
In the Chase Mobile app, tap the account you want deposits sent to, swipe up, and tap “Set up direct deposit form.” On chase.com, select your checking account, open the “Account services” dropdown, and click “Set up direct deposit form.” Chase fills in your verified routing and account numbers, and you can download, print, or email the completed PDF to your employer.1Chase. Set Up Direct Deposit
Finding Your Routing and Account Numbers
If you’re using the blank form or your employer has their own paperwork, you need two numbers: your nine-digit routing number and your account number. Both sit at the bottom of a personal check, with the routing number on the left and the account number in the center.2Chase. Routing and Account Number Information
No checks on hand? Open the Chase Mobile app, tap the account tile, and tap “Show details.” Both numbers appear there.3Chase. How to Find Account and Routing Numbers On a desktop browser in Chase Online, select the account and view the details.
One thing to watch: Chase assigns different routing numbers based on where you opened the account. A California account’s routing number isn’t the same as a New York or Illinois one. Use the number that shows up in your own account details or on your own checks. Don’t pull a routing number from a generic online list without confirming it matches your account.
Filling In Each Field
The form is a single page. The fields are straightforward, but accuracy matters, so take a moment with each one.
- Customer name: your full legal name as it appears on your Chase account.
- Address, city, state, ZIP: your current address matching Chase’s records.
- Checking account number: fill in if deposits should go to checking.
- Savings, MIA, or money market account number: fill in instead if you want deposits sent to savings or money market. Pick one or the other, not both, unless your employer offers split deposits.
- Routing number: the nine-digit number tied to your account’s location.
- Name of business: the company or organization sending the deposits.
- Signature and date: by signing, you authorize the named business and Chase to deposit funds automatically, including corrections for entries made in error.
Check every digit of the routing and account numbers twice before you hand the form over. A single wrong number can route your pay to the wrong account or bounce the transfer back to your employer, which usually sets you back at least a pay cycle.
Submitting the Form
Give the form to whoever handles payroll at your workplace. In most companies that’s HR or a payroll administrator. Many employers skip the paper form entirely and have you enter your routing and account numbers directly into an employee self-service portal; in that case the Chase form itself may not be needed, but the numbers on it still are.
Electronic submission is just as valid as handing over paper. The E-Sign Act gives electronic signatures the same legal effect as handwritten ones for authorizations like direct deposit forms, so emailing a signed PDF or completing the setup online works.4National Credit Union Administration. Electronic Signatures in Global and National Commerce Act (E-Sign Act)
Submit it as soon as you can. Payroll departments batch banking changes around specific points in the pay cycle, and a form arriving the day after a cutoff often won’t take effect until the following period.
Splitting Pay Between Checking and Savings
Direct deposit can send part of your paycheck to checking and part to savings, but the split is set up on your employer’s side, not through Chase. Chase notes that direct deposit lets employees divide a paycheck between checking and savings, including routing a percentage into savings automatically.5Chase. What Are the Benefits of Direct Deposit? To do it, you usually submit two direct deposit forms (or two sets of account details in your employer’s portal), one for each account, with the dollar amount or percentage going to each.
Not every employer supports splits. Ask payroll before submitting two forms. If splits aren’t offered, you can still set up automatic transfers inside Chase to move a fixed amount from checking to savings after each payday.
When Your First Deposit Will Arrive
Don’t expect your next paycheck to come through electronically. Payroll needs time to verify your information and update their system, and the timing hinges on where your employer sits in the pay cycle when they process the change. Some switch you over before the next payday; others take one or two full cycles. If nothing has arrived after two pay periods, call payroll to confirm they received the form.
Chase accounts may receive direct deposits up to two business days before the scheduled pay date, depending on when your employer transmits the payment file. Chase notes that some eligible accounts are enrolled in early access automatically, while others require you to set up direct deposit and enroll in Account Alerts.6Chase. Secure Banking Benefits and Tools Early access isn’t guaranteed every pay period.
What the Chase Form Won’t Do
The Chase direct deposit form is for employers and other private payers. Government agencies don’t accept it. For Social Security, update your bank information by signing in at ssa.gov, calling 1-800-772-1213, asking Chase to submit the change through Automated Enrollment if available, or visiting a local Social Security office.7Social Security Administration. Update Direct Deposit For VA disability, pension, or education benefits, sign in to VA.gov with a verified ID.me or Login.gov account and update direct deposit under your Profile.8Veterans Affairs. How To Change Direct Deposit Information for VA Benefits For an IRS tax refund, enter your Chase routing and account number on your tax return; your name must be on the account, and only U.S.-based accounts qualify.9Chase. Direct Deposit Your Tax Refund The IRS caps electronic refunds at three per financial account per tax year; beyond that, you’ll get a paper check instead.10Internal Revenue Service. Tell IRS to Direct Deposit Your Refund to One, Two, or Three Accounts
Protecting the Information on the Form
The routing and account numbers on a direct deposit form can be used to move money, so treat the completed form like a blank check. Email it only through secure channels. Don’t text photos of it, and don’t leave printed copies lying around.
Watch your account around payday. If an expected deposit doesn’t show up, contact payroll immediately; someone could have submitted a fraudulent change redirecting your pay. If you think your account information has been compromised, call Chase to review your options, which may include changing the account number, and look through recent transactions for unauthorized debits.