Summertime and the living is easy. Unless, of course, you’re a young person spending those days (and maybe nights) hard at work earning money to pay for school. If that’s you, or you know someone who fits the description, Direct Deposit can make payday a whole lot easier.

There’s nothing better than waking up on payday and finding your wages are in your bank or credit union account. No need to go in and pick up a paper check, then deposit it and wait for the money to become available. 

Younger employees, many of whom are getting their first job this summer, may not know about Direct Deposit, but educating them is quick and easy for employers as well as parents, guardians and people who care about their long-term success. It’s knowledge they’ll keep as they grow and move on to other jobs.

Employers offering Direct Deposit should explain the ease and safety of using it, and then help their staff get started. Parents, guardians and mentors can encourage these young workers to ask if Direct Deposit is available. 

Many young people don’t have checkbooks, but they can still find routing and account information. Most bank and credit union apps and websites make that information available once logged on. Using the search function usually leads right to it. In fact, finding the information online, rather than on a paper check, helps eliminate confusion between which numbers are which. A phone call to the financial institution will also yield the information once the accountholder’s identity is verified. 

Working a summer job is also a great time to learn the benefits of saving, be it for that dream car, surprise repairs to that dream car, or something else. Split Deposit can help accomplish that. 

With Split Deposit, a percentage or flat amount of take-home pay can be directed to a savings account each payday. While summer workers often need most every dollar, even putting aside $5 a pay period can add up nicely. 

Learn more about Direct Deposit at DirectDeposit.org. 

Nacha also has a PDF explaining how Split Deposit works and its benefits.