January 14, 2022

Direct Deposit Without a Voided Check? Absolutely!


Michael W. Kahn

Michael W. Kahn


It’s a drill that’s been taking place for as long as anyone can remember: Start a new job and on your first day be sure to bring a voided check to set up Direct Deposit. 

The thing is, this being 2022 not everyone has paper checks, especially young people. Also, new hires are increasingly joining remotely, and can’t bring in a voided check. Does that preclude these folks from enjoying the benefits of Direct Deposit? 

Certainly not!

The whole point of the voided check has been to provide payroll departments with account and routing numbers. But today there are many ways to find those. 

Financial Institutions (FIs) typically make account and routing numbers readily available to customers that sign in to online and mobile banking, whether on the web or the FI’s app. Some FIs even offer logged in customers the option to create prefilled Direct Deposit forms, which makes the process extra easy. Of course, you can also call your bank or credit union, which will give you the account and routing numbers once their representative verifies it’s really you on the phone. 

Nacha leads by example, having done away with collecting voided paper checks both from new team members as well as those who want to change their banking information. Today, Nacha employees do everything through a secure portal which also allows them to access tax forms, paystubs and more. 

“With the use of a secure payroll portal, all staff set up their own Direct Deposit with as many accounts that they want. Gone are the days of submitting a voided check to HR,” said Jennifer Shannon, SPHR, SHRM-SCP, Nacha’s Director of Human Resources. 

Shannon also noted that many at Nacha are using the Split Deposit feature of Direct Deposit, with a flat amount or a percentage of their pay earmarked for savings, while rest goes to a primary deposit account. 

Learn more about Direct Deposit and Split Deposit on Nacha’s website.