Setting up direct deposit

Direct deposit makes paying your workers easier for you, and them, by having OnPay deposit the funds in the employee's accounts each pay day! You can still print checks and distribute them to your workers, as needed. You can even pay some workers by direct deposit, and others with a physical check, all in the same pay run!

Before setting up direct deposit

The following actions are required in order to pay workers by direct deposit:

• Add or invite workers to access their OnPay portal (Getting started? We'll do this for you!)
• Verify company bank account (the account from which payroll is to be drafted)

Risk assessment and deposit turnaround 

Once you've verified your bank account, our Automated Clearing House (ACH) team will perform a risk assessment. This will determine your company's approval for direct deposit. If approved, we'll email you confirming your turnaround (2-4 days based on risk assessment). In some instances, you may be approved for Wire Only or Reverse Wire Only. 

2-Day turnaround

Run payroll on Wednesday by 11:30 PM EST and direct deposit goes in that Friday morning. 

4-Day turnaround 

Run payroll on Monday by 11:30 PM EST and direct deposit goes in that Friday morning.

Note: You can schedule your pay runs in advance. Learn more about pay schedules.

Wire Only

For companies with very large payroll amounts, we may require that you wire the direct deposit and/or tax funds in order to process your payrolls.

Reverse Wire Only

For some companies, we may require that you authorize OnPay to perform a reverse-wire, or drawdown request from your bank account in order to process your payrolls.

Next steps

Once you're approved, you'll need to enter the bank routing and account numbers for each worker you want to pay by direct deposit, into their OnPay profile. There are two ways to accomplish this:

• If you already have their banking information, you can set up direct deposit for your workers
• You can also ask workers to enter their banking information into their OnPay profile

Reassessment eligibility

If you receive an approval that doesn't fit your needs, submit a request* asking to discuss other options. Your approval status may be reevaluated after 6 months, upon request. 

Note: Allow 1-2 business days to complete direct deposit setup. Not all clients are approved for direct deposit. Any data entry mistakes by the employer resulting in misapplied deposits or NSF fees will be the sole responsibility of the employer.
*OnPay login required to submit requests for support.
You can also call us at (877) 328-6505, between 9AM-8PM EST, Monday through Friday.

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