Where to find the direct deposit form
Bank of America does not issue a single standardized direct deposit form. Instead, your employer's payroll department uses Bank of America's routing number (026009593 for most accounts) and your account number to set up direct deposit on their end. You do not need to request a form from the bank itself.
If your employer asks you for a direct deposit authorization form, that form comes from your employer, not from Bank of America. Your job is to provide your account and routing information so payroll can enter it into their system. If you need to verify these numbers, you can find them in your Bank of America account or on a check.
Some employers use a third-party payroll processor that may have its own form. In that case, the processor — not Bank of America — supplies the form. Ask your payroll department which company handles your direct deposit setup.
Key Takeaways
- Bank of America does not provide a direct deposit form; your employer's payroll department handles the setup using your routing and account numbers.
- Your Bank of America routing number is 026009593, and you can find your account number on a check, your debit card, or in your online banking portal.
- If your employer needs a form, it comes from payroll or a third-party processor, not from the bank.
- You can verify your account information anytime by logging into your Bank of America account online or calling customer service at 1-800-432-1000.
How to find your routing and account numbers
The easiest way to locate your routing and account numbers is to look at the bottom left of any check you have. The first nine digits are your routing number; the next set of digits is your account number. Bank of America's routing number for direct deposit is 026009593 for most checking and savings accounts.
You can also find your account number by logging into your Bank of America online account or mobile app. Go to your account details or account information section. Your full account number will be displayed there.
If you do not have a check and cannot access your online account, call Bank of America customer service at 1-800-432-1000. Have your Social Security number and photo ID ready. A representative can confirm both numbers over the phone.
What information your employer needs from you
Your employer's payroll department will ask for three pieces of information: your full name as it appears on your Bank of America account, your routing number (026009593), and your account number. Some payroll systems also ask whether the account is checking or savings — Bank of America direct deposit works with both.
Do not give your full account number to anyone except your employer's payroll department or a payroll processor your employer has authorized. If you are unsure whether a request is legitimate, contact your payroll department directly using a phone number or email you know is correct.
Setting up direct deposit through your Bank of America account
Bank of America does not let you initiate direct deposit from your side of the account. Your employer must start the process. However, once your employer submits your information to their bank, the deposit should appear in your account automatically on payday.
Direct deposit typically takes one to two pay cycles to activate after your employer submits it. During that time, you may still receive a paper check. Once the first direct deposit posts, you can confirm it worked by checking your account history online or in the mobile app.
If your direct deposit does not arrive on the expected date, contact your payroll department first — they can confirm whether the request was submitted correctly. If payroll confirms it was sent, call Bank of America at 1-800-432-1000 to report a missing deposit.
Changing or canceling direct deposit
To change your direct deposit to a different account or bank, contact your payroll department and provide the new routing and account numbers. Your employer will update their records, and deposits will go to the new account starting with the next pay cycle.
To stop direct deposit and return to paper checks, ask your payroll department to cancel the direct deposit authorization. This usually takes effect within one to two pay cycles. Confirm with payroll that the change has been processed before your next payday.
If you close your Bank of America account, notify your payroll department immediately so they can update your direct deposit information. If a deposit is sent to a closed account, the bank will reject it and return it to your employer. Your employer will then need to issue a replacement check or resubmit to a new account.
What to do if direct deposit fails
If a direct deposit does not arrive on payday, start by checking your account online or in the mobile app to confirm it was not deposited. Sometimes deposits post a few hours after the expected time. If it has been more than one business day past payday, take the next step.
Contact your payroll department and confirm that they submitted your direct deposit information correctly. Ask them to verify your routing number (026009593) and account number. Payroll can also check whether the deposit was rejected by the bank and why.
If payroll confirms the information was correct and the deposit was sent, call Bank of America at 1-800-432-1000 and report the missing deposit. Have your account number, the deposit amount, and the date it was supposed to arrive ready. Bank of America can investigate whether the deposit was received and rejected, or never arrived at all. If the bank rejected it, they can tell you why — usually a mismatch in account number or account status.
Frequently Asked Questions
Can I set up direct deposit without going through my employer?
No. Direct deposit is initiated by your employer's payroll department, not by you or the bank. Your employer must submit your information to their bank, which then coordinates with Bank of America to deliver your pay. You cannot request direct deposit directly from Bank of America.
What is Bank of America's routing number for direct deposit?
Bank of America's routing number for direct deposit is 026009593. This number is the same for most checking and savings accounts. You can verify it on a check or by logging into your online account.
How long does it take for direct deposit to start working?
Direct deposit usually takes one to two pay cycles to activate after your employer submits your information. You may receive a paper check during this time. Once the first direct deposit posts, future deposits should arrive automatically on payday.
What happens if I give my employer the wrong account number?
If the account number is incorrect, the deposit will be rejected by Bank of America and returned to your employer. Your payroll department will contact you to get the correct information. Contact them immediately if you realize you provided the wrong number so they can resubmit before the next payday.
Can I have my paycheck split between two Bank of America accounts?
Yes, many employers allow split direct deposit. Ask your payroll department whether they support this option. If they do, provide the routing number (026009593) and account number for each account, along with the dollar amount or percentage you want sent to each one.