Set up bank verification once; ACH funding runs automatically each payroll.
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Link the company bank, verify it instantly or via micro-deposits, and choose which account funds payroll.
Add or remove an employee's bank account, split paychecks across two accounts, and choose admin- vs self-service mode.
Check the ACH status on a payroll run, read a return code, resubmit after a fix, and know when to call support.
Direct deposit moves through the ACH banking network, which settles in one to two business days — here's why the money lands on payday and what your own bank controls.
ACH doesn't process on weekends or federal banking holidays, so a paycheck near one of those days usually arrives on the last business day before it.
Same-day pay uses same-day ACH so a deposit can land the same banking day it's sent — but your employer decides when to use it, not you.
When a direct-deposit credit cannot be applied to an employee's account, the receiving bank returns the transaction with a code that explains why. NACHA defines about eighty return codes; in payroll, the same handful come up over and over. This article is the reference list for the common ones.
Direct deposit is an Automated Clearing House (ACH) transaction — money moves between banks on a settlement schedule set by NACHA, the network operator. This article explains the timeline for a normal payroll and the cases where it matters.