How to Make Direct Deposits Into Someone's Checking Account

One of the ways to give money to someone is to initiate an electronic transfer of funds to his checking account. Direct deposits are very convenient for the recipient because he does not have to go to the bank to deposit a check or wait for it to clear before using the funds. In addition, they are easy to automate if you need to regularly make deposits. The exact procedure for initiating a direct deposit varies from one bank to another, but it should follow the same basic chain of events.

Step 1

Get the routing number and the account number for the person's bank account. The routing number is nine digits and identifies the bank at which the account is located. The length of the account number varies. Both of these numbers appear at the bottom of the person's checks, with the routing number first, between the symbols with three dots.

Step 2

Call your bank or log on to the online account management area. If the person who you are giving the direct deposit uses the same bank, select the option to "transfer money to another customer." If the person uses a different bank, choose the option of transferring money to an account at a different bank.

Step 3

Enter the routing number and account number for the checking account to which you want to directly deposit money.

Step 4

Enter the amount of money you would like to deposit. Make sure you have enough money in your account for that amount to clear.

Step 5

Select the option to complete the transfer.

Tip

You might have to pay a fee to send a direct deposit to someone's checking account at a different bank. If you are making the direct deposits for payroll, ask your bank about its program for automated payroll. Most banks have a feature that helps you make payroll deposits so you don't have to manually enter the information each time.

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