ACH credit
An ACH transfer that pushes money into an account — the originator sends funds to the receiver, who has not had to authorize each individual payment. Direct deposit of payroll is the most common ACH credit; tax refunds, government benefits, and vendor payments often arrive the same way. Because the money is being sent rather than pulled, an ACH credit does not require the standing authorization that an ACH debit does.
Related forms
Related guides
How to set up direct deposit at a new job
To set up direct deposit at a new job, give payroll a signed direct deposit authorization form with your bank's routing number, account number, and account type, usually backed by a voided check or bank letter. Your first paycheck may still be paper while payroll verifies the account; after that, deposits land automatically each payday.
How to prove you have direct deposit set up
To prove you have direct deposit set up, show a recent pay stub, a bank statement listing the deposit, or a verification letter naming the payer, your account, and the deposit status. For a bank bonus, it usually must be a “qualifying direct deposit” — regular ACH income like a paycheck, pension, or benefit.