Bank of America Direct Deposit Setup
Bank of America accepts direct deposit through its checking and savings accounts. To set one up, you provide your employer or the organization sending the payment with your Bank of America account number, routing number, and account type. Bank of America's routing number is 026009593 for most accounts, though some regions use different numbers — your bank statement or online banking portal will show the correct one for your account.
The process itself takes a few minutes. Your employer enters your information into their payroll system, and the first deposit typically arrives within one to two pay cycles. Bank of America does not charge a fee for receiving direct deposits, and the money posts to your account on the scheduled date, even if that date falls on a weekend or holiday.
Key Takeaways
- Bank of America's routing number for direct deposit is 026009593 in most cases, but you should confirm the correct number for your specific account before giving it to your employer.
- You need your account number, routing number, and account type (checking or savings) to set up direct deposit with any employer or payment source.
- Direct deposits to Bank of America accounts post on the scheduled date regardless of weekends or holidays, and the bank does not charge a fee.
- The first direct deposit usually arrives within one to two pay cycles after your employer submits your information.
- You can manage and monitor your direct deposits through Bank of America's online banking portal or mobile app.
Finding Your Bank of America Account and Routing Numbers
Your account number appears on the bottom left of any Bank of America check, or you can find it by logging into your online banking account and viewing your account details. The routing number also appears on checks, printed on the bottom left before your account number. If you do not have a check handy, log into your Bank of America online account, go to Account Settings, and select the account you want to use for direct deposit — the routing and account numbers will be listed there.
Bank of America has multiple routing numbers depending on your region and account type. The most common is 026009593, but some states and account types use different numbers. Always verify the routing number in your online banking portal or on your statement rather than assuming it matches another account or another person's account. Using the wrong routing number will delay your deposit or send it to the wrong place.
What Information Your Employer Needs
Your employer's payroll department will ask for three pieces of information: your Bank of America account number, the routing number, and the account type (checking or savings). Some employers also ask for the bank name and your name as it appears on the account. You do not need to provide a voided check, though some employers request one as proof — if yours does, you can print a blank check from your Bank of America online account or ask the bank for a counter check.
Double-check the information before submitting it to payroll. A single digit wrong in your account number or routing number can cause the deposit to fail or go to the wrong account. If you make a mistake, contact your payroll department as soon as you notice it — they can usually update your information before the next pay run.
When Your First Direct Deposit Arrives
Bank of America typically posts direct deposits on the date the employer sends them, even if that date is a Saturday, Sunday, or holiday. This means you may see the money in your account before the official business day. However, the first direct deposit after you set up the arrangement usually takes longer — often one to two pay cycles — because the employer's system needs time to process and verify the new banking information.
If your first deposit does not arrive within two pay cycles, contact your employer's payroll department to confirm they submitted your information correctly. Ask them to verify that the routing number and account number were entered without errors. If payroll confirms the information is correct, contact Bank of America to check whether the deposit arrived under a different status or was rejected for any reason.
Changing or Canceling Your Direct Deposit
To change your direct deposit to a different Bank of America account or to stop direct deposits altogether, contact your employer's payroll department. You will need to provide the new account and routing numbers if you are switching accounts, or request cancellation if you want to stop receiving direct deposits. The change typically takes effect on the next pay cycle after payroll processes the update.
If you close your Bank of America account, notify your employer immediately so they can update your banking information. If a direct deposit arrives at a closed account, the bank will reject it and send it back to your employer. Your employer will then need new banking information to resubmit the payment.
Setting Up Multiple Direct Deposits
Bank of America allows you to receive multiple direct deposits into the same account. If you have more than one job or income source, you can provide each employer with the same Bank of America account and routing number. All deposits will post to that single account, and you can track them through your transaction history.
Some people prefer to split their direct deposit between two accounts — for example, sending part of their paycheck to a checking account and part to a savings account. Bank of America supports this through most employers' payroll systems. You will need to set up separate direct deposit arrangements with your employer for each account, specifying the amount or percentage that goes to each one.
Troubleshooting Direct Deposit Problems
If a direct deposit does not arrive on the expected date, first check your account to confirm the money has not already posted. Direct deposits sometimes appear earlier than expected. If the deposit is genuinely missing, log into your Bank of America online account and look at your recent transactions — rejected deposits sometimes show up with a note explaining why.
Common reasons for failed direct deposits include a wrong account number, a wrong routing number, a closed account, or a name mismatch between your employer's records and your bank account. Contact your employer's payroll department and ask them to verify the routing number and account number they have on file. If those are correct, call Bank of America at the number on the back of your debit card and describe the missing deposit — they can check whether it arrived and was rejected, or never reached the bank at all.
Frequently Asked Questions
Can I set up direct deposit to a savings account instead of checking?
Yes. Bank of America accepts direct deposits to both checking and savings accounts. When you provide your information to your employer, specify that it is a savings account. The routing number remains the same.
What is Bank of America's routing number for direct deposit?
The most common routing number is 026009593, but some regions and account types use different numbers. Check your account statement, online banking portal, or the back of your debit card to confirm the correct routing number for your specific account before giving it to your employer.
How long does it take for direct deposit to show up in my Bank of America account?
Direct deposits typically post on the date your employer sends them, even on weekends or holidays. The first direct deposit after you set up the arrangement usually takes one to two pay cycles because the employer's system needs time to process the new information.
Can I receive direct deposit from multiple employers into the same Bank of America account?
Yes. You can provide the same Bank of America account and routing number to multiple employers, and all deposits will post to that single account. You can also split a single paycheck between two accounts if your employer's payroll system supports it.
What should I do if my direct deposit does not arrive?
First check your account to confirm the deposit has not already posted. Then contact your employer's payroll department and ask them to verify the routing number and account number they have on file. If those are correct, call Bank of America to check whether the deposit was rejected or never reached the bank.