что такое direct deposit

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Что такое прямой депозит?

Для осуществления переводов банки используют сеть Автоматизированной расчетной палаты (ACH), которая координирует эти платежи между финансовыми учреждениями.

Автоматические транзакции: Когда вы получаете средства через прямой депозит, ваш баланс по счету автоматически увеличивается при поступлении платежа. Вам не нужно «принимать» платеж или вкладывать средства на свою учетную запись, что потребовалось бы, если вы получили наличные или чек. Аналогичным образом, когда вы платите с прямым депозитом, ваш текущий остаток на счете будет автоматически уменьшаться, когда платеж погаснет.

Часто используемые: Прямой депозит становится все более популярным, и десятки миллиардов платежей ACH происходят каждый год. Некоторые ветви власти, такие как Управление социального обеспечения, больше не проверяют печать. Вместо этого они требуют, чтобы вы получали средства в электронном виде (либо через прямой депозит, либо через перезаряжаемую дебетовую карту). Работодатели могут также затруднить получение заработной платы путем проверки.

Зачем использовать прямой депозит?

Существует несколько причин для того, чтобы как предприятия, так и потребители использовали прямой депозит:

Как настроить прямой депозит

Они могут потребовать, чтобы вы использовали определенную форму (попросите «форму прямого вклада»), или вы можете просто предоставить аннулированную проверку. В некоторых случаях вы будете предоставлять свою учетную информацию в Интернете.

Чтобы получать платежи, вам необходимо предоставить данные ниже организации, которая будет вам платить.

. Вы можете найти большую часть этой информации о любой личной проверке, или вы можете позвонить в свой банк и запросить информацию о прямом депозите. Детали также часто доступны в Интернете, но лучше всего войти в свою учетную запись для получения точной информации. Обратите внимание, что ваши банковские маршруты и номера счетов являются конфиденциальной информацией. Не предоставляйте эти цифры никому, если вы им не доверяете.

Настройка прямого депозита может занять от нескольких дней до нескольких недель. Спросите своего работодателя о том, чего ожидать, чтобы вы не искали свои платежи в неправильном месте.

Следующие шаги

Теперь, когда вы знаете, как легко получать платежи в электронном виде, вы возможно, захотите начать отправка платежей таким же образом. Вы, как потребитель, можете использовать ту же технологию, чтобы избежать использования чеков, оплаты за почтовые расходы и своевременного получения счетов.

Есть два способа сделать это: настроить онлайн-платеж в вашем банке или настроить платежи ACH тем, кому вам нужно платить.

Также неплохо настроить оповещения, чтобы вы могли получать электронную почту или текстовое сообщение, когда что-то происходит в вашей учетной записи. Например, вы можете получать уведомления, когда есть депозит или снятие средств, поэтому вы будете знать, когда придут платежи.

Бизнес-кредит: как это работает и как его получить

Что такое прямой депозит?

Прямой депозит позволяет вам автоматически оплачивать вашу зарплату на ваш текущий счет. Это самый простой способ получить ваши деньги.

Депозит может помочь защитить ценную инвестиционную собственность арендодателя. Узнайте, какие шаги может предпринять арендодатель, чтобы помочь защитить их аренду.

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What is direct deposit and how to set it up?

Adam Rozsa

Everybody gets excited when payday arrives. It’s a sign that another milestone has been reached. However, having to deposit a check at a physical location can take a lot of time – if you have to wait for a paycheck, enjoying the fruits of your labor doesn’t come so quickly.

Instead of waiting, direct deposits can be a faster way of sending and receiving money between two accounts, allowing your money to be available when it’s needed.

In this article, we’ll tell you everything that you’d like to know about using direct deposits, such as what is a direct deposit, how does it work, and how to set up one.

Plus, we’ll also talk about how Wise can save you money when you need to send and receive in different currencies – but more on this later.

What is direct deposit?

Direct deposit is a fully automated funds transfer method from one bank account to another, where the transfer is done electronically instead of using a physical check. It is often seen as the simplest and fastest way to be able to access money.

Once a direct deposit is set, banks will use the ACH (Automated Clearing House) network to make these transfers between them.

It’s also a great way to reduce transfer costs, automate payments, and avoid fraudulent payroll scams, which is why it’s become a popular method among companies for paying their employees and other expenses.

In a lot of places, direct deposit is a required method of paying wages, but this can vary from one region to another.

How does direct deposit work?

With direct deposit, funds are transferred through a secure electronic network. The sender sets up their banking information to include receivers’ banking data, such as the name of their bank and the bank’s routing number.

Once the account, or accounts are added, payments can be directly sent from the sender’s bank account, usually with just a couple of clicks and keyboard strokes.

The receiver (like an employee) doesn’t have to use the same bank, as established bank routing protocols allow different financial institutions to seamlessly communicate with one another.

When an employee or vendor receives funds via direct deposit, the account balance will automatically increase when the payment arrives.

Unlike when you receive money with cash or check, with direct deposit you don’t need to accept the payment. And as to the sending account, when paid with direct deposit, the designated balance will decrease when the payment is made.

How to set up direct deposit?

Regardless of signing up with your employer or a different provider, the process is fairly similar. While the direct deposit forms you need to fill out may be different depending on the provider, generally, you just need to provide them the further bank account information:

Routing numbers are something banks use to identify each other in the US banking system. They’re made up of nine-digits, and ACH network also requires them to facilitate electronic money transfers. You may be also asked to provide your bank’s address and for verification purposes, the provider might ask you to provide a voided check as well.

Once you have all the information, these are the following steps you need to follow to set up a direct deposit:

Need to pay or receive in different currencies? Meet Wise.

This is why Wise could save you money and time especially in international transactions:

How long does a direct deposit take?

Creating the direct deposit process might be time-consuming if the company has a long list of employees to be entered.

However, once everything is in place, adding (or deleting in case of departure) employees takes just a couple of minutes. After everything is set up, running the payroll batch on payday only requires a few minutes.

As an employee, you might receive your funds in a matter of minutes, especially if you use the same bank as the employer.

However, if transfers have to pass from one bank to another or involve cross-border payments, the money won’t arrive quite as quickly. In some cases, it is possible that the funds will be available in as little as one to two hours. In others, substantial delays of a couple of days may occur. However, this only applies to cross-border payments.

Direct deposits: possible uses

Here are a couple of cases where direct deposits can provide a real advantage to physical checks – saving you plenty of time. Set up a direct deposit to arrange payments such as:

Benefits of direct deposits

There are a number of benefits to use direct deposit over issuing traditional paychecks. On the other side, there aren’t many disadvantages, which is why direct deposit has become the go-to solution for companies to manage their payrolls.

Direct deposits are safer

Direct deposit is inherently more secure than printed checks, both for the sending and the receiving parts. If you go digital, there is no possibility of a check or signature being forged and the risk of identity theft is greatly reduced.

Saves a lot of time and effort

One of the great advantages of direct deposits is saving time. You don’t have to stand in lines to cash in your checks, which can sometimes incur additional transaction fees, and you don’t have to be physically in the office to get paid. If you get sick or working remotely on payday, the money is still safely delivered when paid through direct deposit.

You can split a direct deposit

One of the biggest benefits of direct deposit is the ability to assign where the money goes. You can request that a portion of the money be sent to a checking account and another portion to a savings account, or to a third-party banking account as well. This allows you to responsibly start a savings plan and learn to manage your finances using only the funds they have decided are available.

It’s good for the employer, too

For employers, for example, offering direct deposit allows them to drastically reduce the amount of time spent on payroll-related work. There’s no longer the need to prepare payroll, write and sign checks and deliver them to employees, some of whom may be working remotely. Direct deposit is more efficient, allowing the business to focus on other matters. Also, they arrive faster to the payees’ bank account when compared to checks, and don’t require any other action from the receiver.

Plus, the reduction of manual work also leads to reduced expenses. In addition, if a check is lost or stolen, a company has to spend a great deal of time and money to resolve the issue. Not to mention that the company won’t have to print the checks and pay to email them. And for the receiving side, the fees for receiving those checks won’t probably be an issue with electronic payments.

This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. The information in this publication does not constitute legal, tax or other professional advice from TransferWise Limited or its affiliates. Prior results do not guarantee a similar outcome. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date.

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Прямой депозит

Что такое Прямой депозит?

Как работает прямой депозит

Хотя большая часть прямых депозитов осуществляется с использованием банковских счетов и автоматизированных расчетных палат, эти платежи также можно производить с помощью онлайн-банкинга и переводов через смартфоны. Если, например, кто-то хочет отправить деньги напрямую члену семьи, все, что ему нужно, – это его адрес электронной почты и / или номер мобильного телефона. Получатель предоставляет трансферной компании свои банковские реквизиты. После отправки деньги переводятся на счет получателя. Как и в других случаях прямого депозита, деньги доступны для немедленного использования.

Ключевые моменты

Особые соображения

Краткая справка

Плательщики, от которых требуется совершать электронные платежи, могут предоставить получателям предоплаченные дебетовые карты.

Недостатки прямого депозита

Прямой депозит и другие формы электронного банкинга имеют большую эффективность, а также повышают риск взлома онлайн-безопасности. Рост определенных мер кибербезопасности для защиты форм банковского дела, таких как прямые депозиты, имел решающее значение. Типы кибербезопасных атак на конфиденциальную финансовую информацию включают:

Меры по повышению безопасности могут включать использование средства защиты паролей и / или выбор более сложных паролей с комбинацией букв, цифр, заглавных букв и специальных знаков для шифрования личных финансовых данных.

Источник

Direct deposit: перевод, синонимы, произношение, примеры предложений, антонимы, транскрипция, определение

Произношение и транскрипция

Перевод по словам

adjective: прямой, непосредственный, постоянный, точный, открытый, полный, ясный, личный, правдивый, абсолютный

verb: направлять, руководить, управлять, наводить, режиссировать, дирижировать, устремить, адресовать, ставить, приказывать

adverb: прямо, непосредственно

noun: депозит, залог, месторождение, вклад, задаток, взнос, осадок, отложение, залежь, налет

verb: депонировать, осаждаться, сдавать на хранение, осаждать, класть, откладывать, отлагать, давать задаток, класть в банк, класть на хранение

Определение

Предложения с «direct deposit»

Copyright © 2009-2021. All Rights Reserved.

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How To Set Up Direct Deposit

Janet Berry-Johnson is an expert in taxes and accounting whose expertise is based in a 10-year career as a certified public accountant.

Emily Newman / The Balance

When sending or receiving payments, you have several options. Among those options, you can use cash, checks, or electronic payments. Most organizations prefer that last choice—otherwise known as a direct deposit. In fact, you’re sometimes required to use direct deposit. Fortunately, it’s a safe and inexpensive payment option for all involved parties.

What Is Direct Deposit?

Direct deposit is an electronic payment from one bank account to another. For example, money may move from an employer’s bank account to an employee’s bank account, although there are several other ways to use direct deposit. To complete transfers, banks use the Automated Clearing House (ACH) network, which coordinates these payments among financial institutions. 

Fully Automatic Transactions

When you receive funds via a direct deposit, your account balance will automatically increase when the payment arrives. You don’t need to accept the payment or deposit funds to your account, which would be required if you received cash or a check. Likewise, when you pay with direct deposit, your checking account balance will automatically decrease when the payment leaves your bank.

Common Payment Method

Direct deposit has become increasingly popular because it does away with unnecessary paperwork. Billions of ACH payments take place every year.   For example, branches of government like the Social Security Administration, no longer print checks. Instead, they require that you receive funds electronically—either through a direct deposit to your checking account or through a reloadable debit card.   Employers of all sizes enjoy the ease of making payments to both employees and vendors through direct deposits.

Reasons to Make the Switch

There are several reasons for both businesses and consumers to use direct deposit.

Automated Deposits Are Convenient

When receiving funds by direct deposit, the funds are added to your account without any action required on your part. Whether you’re out of town or too busy to make it to the bank, your account will be credited. 

Going Digital Saves Money and Resources

With electronic payments, you don’t need to print checks or pay to mail them. This saves the business money while preserving resources associated with printing checks and transporting them. It’s generally free to receive payments, and sending funds by ACH is often less expensive than other options.

Electronic Records Won’t Fill File Cabinets

With a direct deposit transaction, everyone has a record of the payment. It’s easy to see what happened in your checking account’s transaction history. That transaction will be there whenever you need to reference it. You don’t need to manually write down details about payments, save pay stubs in a file cabinet, or otherwise keep track of paperwork.

Digital Payments Are More Secure

Nobody can steal a check, alter it, or attempt to cash it when the payment is delivered digitally. The funds seamlessly move from one checking account to another. When it comes to getting the money from one bank account into another, direct deposits are among the most secure ways to complete the transaction.

Direct Deposits Quickly Complete Transactions

Those getting paid via direct deposit often receive their payment before those getting paid via paper check.   The direct deposit may arrive in one payee’s account before another payee receives a paper check in the mail. Even if they do arrive at the same time, the paper check payee will have to take the extra step of depositing the check and waiting for those funds to clear.

Setting Up Direct Deposit to Receive Payments

To receive payments electronically, you need to provide bank account information to the organization that is paying you. They may require that you use a particular form (such as a direct deposit form) or they may ask you to provide a voided check. In some cases, you’ll need to provide your account information online.

To receive payments, you’ll need to provide the details below to the organization that will be paying you.

You can find most of that information on any personal check.   The routing number usually appears on the front of the check at the bottom left side. The account number will be just to its right.   Alternatively, you can call your bank and ask for direct deposit information. Details are often available online as well, but it’s best to log in to your account for accurate information.

Your bank routing and account numbers are sensitive information, so don’t provide those numbers to anybody unless you truly trust them.

Setting up direct deposit can take anywhere between a few days and a few weeks. Ask your employer what to expect so that you don’t look for your payments in the wrong place.

Once everything is set up, your payments will arrive in your bank account automatically. Be sure to check the available balance in your checking account before you try to spend any of that money. Government payments like tax refunds and Social Security benefits are typically available immediately, as are payments from employers, though it depends on your bank.   Other payments might be held for a few days.

Sending Payments With Direct Deposit

To send payments electronically, you need a relationship with a financial institution that provides ACH payments. Business bank accounts, popular bookkeeping services, and payroll providers may offer that service—so ask the vendors you’re already working with before you search for new resources.

Once you have a way to send ACH payments, you simply need to gather information about your employees. Include any disclosures required by local and federal laws in your communication with payees. If you’re unsure about the regulations for your area, check with your accountant.

Other Uses for Direct Deposit

There are many uses for direct deposit, aside from receiving paychecks or paying employees.

Independent Contractors

Your business can pay independent contractors with direct deposit. Your bookkeeping software or current payroll provider should be able to accommodate those payments fairly easily, although the cost may be higher than the cost to pay W-2 employees.

Social Security Benefits

Starting in 2013, the Social Security Administration required that beneficiaries receive payments electronically. To sign up for electronic payments, visit the U.S. Treasury’s Go Direct website. You can also change existing direct deposit instructions at www.SSA.gov. 

Child Support and Maintenance

To receive or send child support and maintenance payments electronically, contact your state’s department responsible for handling those payments.   

Tax Refunds

You’ll get your money faster if you use direct deposit for tax refunds. Tell your tax preparer that you prefer direct deposit, or provide your bank account information to the government when you file your returns. You can even split your refund so that the money goes into several accounts, making it easier to save some of your refund money. To provide direct deposit instructions, use the Refund section (Line 21b-d) on Form 1040. You can also split up your direct deposit among multiple accounts by using Form 8888.

It’s a good idea to set up alerts so you can receive an email or text message whenever there’s a deposit or withdrawal in any of your accounts.

Pay Bills

As a consumer, you can use the same technology to avoid using checks, paying for postage, and getting bills into the mail on time.   To do that you can either set up online bill payment with your bank or set up ACH payments with whoever you need to pay.

Check on Your Direct Deposits Periodically

Even after you’ve successfully received or sent direct deposits, it’s worthwhile to periodically check your bank accounts. That way, you’ll catch any errors or signs of identity theft. If you’re switching from a paper-based check register, you’ll have to adjust to the change of seeing everything online, but there’s no reason you can’t continue to balance your accounts as you’ve done in the past.

Frequently Asked Questions (FAQs)

How long does direct deposit take?

Direct deposits are often instantaneous, but they can take one to three days, depending on your bank and the source of the deposit. Paychecks and government benefits are typically available immediately, but they can hold the funds until the next business day. If you’re sending money via direct deposit, it may leave your account immediately if you’re using your bank’s bill pay service or Zelle. If you’re using a third-party service, it might take one to three days for it to show up as a debit from your account.

How long does it take to get your tax refund with direct deposit?

In general, the IRS issues tax refunds within 21 calendar days. It could take longer depending on several factors, however. For example, it could take longer if you filed for the Earned Income Tax Credit or Additional Child Tax Credit. It could also take longer if there’s an error, it’s incomplete, or if there’s identity theft or fraud.

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