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Direct deposits offer a simplified way to move money electronically. Forget running to the bank every payday and waiting in line to deposit checks. Direct deposit allows your employer to transfer your salary directly into an account you specify. Plus, since there's no time spent waiting for the check to clear, you have access to your funds as soon as they are deposited. Setting up your direct deposit is simple; all you need are some direct deposit forms from whoever is paying you and a voided check.
The first step in direct deposit enrollment is to ask your employer for direct deposit forms. These are generally very basic forms and will ask you for the following information to set up direct deposit:
Direct deposit can make it easier to save money if your employer will allow you to split your deposit between a checking account and a savings account. Set up only what you need for daily expenses to be directly deposited into your checking account and have the rest of your paycheck sent to savings. If your employer won't set up a split direct deposit for you, consider setting up automatic transfers to occur as soon as the money from your paycheck is deposited into your checking. This allows you to save money without even thinking about it!
You can also set up direct deposit with IRS refunds and Social Security payments. While the IRS does allow you to split the deposit, Social Security payments must go to one account initially.
Consider direct deposit enrollment with Citizens Bank for convenient access to funds and an efficient way to save money. For more information on bank direct deposits and opening a checking account contact a Citizens Bank representative at 1-877-360-2472.
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