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How to Add Checks to My Debit Card By Steve Brachmann, eHow Contributor

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It's nice to look forward to payday every week, but you haven't truly been paid until you can use the money to pay bills or make other purchases. If you can't get to the bank easily, and if your work schedule is inflexible, it can take many days to finally get to the bank to deposit your check. Direct deposit programs can help by eliminating the need to manually cash the check. If you need a way to add checks to your debit card account more quickly, ask your employer if the company offers a direct deposit program for payroll checks.

Instructions

  • 1. Contact the financial institution that holds the account for your debit card. Ask to be sent any forms necessary to set up a direct deposit account for your payroll checks to be directly debited to your account on payday. You will need to sign up for direct deposit services before using them for your payroll checks.

  • 2. Fill out any forms that your employer may need to properly credit checks to your account through direct deposit. You will need to provide your Social Security number, your bank's routing number, the 12-digit account number and your exact name and address as it appears on your debit card.

  • 3. Wait two or three pay cycles for the direct deposit program to initiate. Once your funds begin to directly deposit into your debit card account, your account will continue to receive payments on payday.

  • 4. Deposit any checks you may receive at the bank issuing your debit card. Present your check to a bank teller along with a deposit slip on which is written the deposit amount, your checking account number and your signature, and sign the back of the check as usual.

    A bank will place holds on a deposit as regulated by the 1987 Expedited Funds Availability Act (EFAA), which is implemented by the U.S. Federal Reserve. Funds from Treasury and cashier's checks are available the next day after deposit. Personal check funds from local sources are available on the second day; checks tied to funds coming from a non-regional bank are available on the fifth day after the deposit. Holds are used by banks to make sure that they receive the money before making the funds available. Treasury checks are more trustworthy than personal checks from non-regional banks, which is why the hold times are different. Once the hold is cleared, the amount of the check will be added to your debit card account's available balance.

Tips & Warnings

  • In most cases, government checks, such as Social Security checks, can also be direct deposited into your account. If you have trouble identifying your debit account number or routing number, both of these numbers are printed on the bottom of personal checks issued for your debit account.

Steve Brachmann

Steve Brachmann has been working professionally as a freelance writer since 2007. Hailing from Angola, N.Y., his work has been published in "The Buffalo News, " SUNY-Fredonia's "The Leader" and on various websites. He is currently attending the State University of New York-Fredonia to earn a Bachelor of Fine Arts degree in acting with a communication minor.

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Original article published on eHow.com

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