{"id":1641,"date":"2023-02-01T18:16:41","date_gmt":"2023-02-01T18:16:41","guid":{"rendered":"https:\/\/resource-center.sprucemoney.com\/?post_type=help&#038;p=1641"},"modified":"2024-04-19T17:18:39","modified_gmt":"2024-04-19T17:18:39","slug":"direct-deposit-faq-overview","status":"publish","type":"help","link":"https:\/\/stg.sprucemoney.com\/resource-center\/help\/send-money\/direct-deposit-faq-overview\/","title":{"rendered":"What should I know about direct deposit?"},"content":{"rendered":"\n<p>Find out about our new direct deposit feature in our FAQs.<\/p>\n\n\n\n<div class=\"wp-block-create-block-hrb-accordion wp-block\" itemscope itemtype=\"https:\/\/schema.org\/FAQpage\"><div class=\"accordion\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div class=\"accordion-item\"><a class=\"accordion-item--a\" href=\"#\" aria-expanded=\"false\" itemprop=\"name\" data-analytics=\"{&quot;loc&quot; : &quot;&quot; , &quot;nm&quot; : &quot;&quot;}\"><div class=\"accordion-item--question\"><h3 class=\"question-content\">How does the direct deposit setup with Atomic work?<\/h3><\/div><\/a><div class=\"accordion-item--answer\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p class=\"answer-content\">Here\u2019s how to set up direct deposit through Atomic:<br><br>1. Provide your payroll provider log-in to Atomic.<br>2. Identify the amount (dollar or percentage) you want directly deposited from each paycheck into your Spruce account.<br>Note: Spruce becomes the highest priority account at your employer. See\u00a0<a href=\"https:\/\/www.sprucemoney.com\/resource-center\/help\/send-money\/where-direct-deposit-funds-from\/\">here<\/a> for more info.<br>3. That\u2019s it! The request should be effective in 1 to 2 pay periods.<\/p><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-create-block-spruce-accordion wp-block\"><div class=\"accordion\"><div class=\"accordion-item\"><a class=\"accordion-item--a\" href=\"javascript:void(0)\"><div class=\"accordion-item--question\"><h3 class=\"question-content\">How do I sign up for direct deposit manually?<\/h3><\/div><\/a><div class=\"accordion-item--answer\"><p class=\"answer-content\">To set up direct deposit for Spruce manually, follow these steps:<br><br>1. Confirm your employer or benefits provider offers direct deposit.<br>2. Get the <a href=\"https:\/\/resource-center.sprucemoney.com\/wp-content\/uploads\/2023\/01\/Direct-Deposit-form.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Direct Deposit Form<\/a>.<br>3. Choose how much you&#8217;d like to add into your Spending Account and send it in.<br>4. That&#8217;s it! You should see your money being deposited within 2 pay cycles.<\/p><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-create-block-spruce-accordion wp-block\"><div class=\"accordion\"><div class=\"accordion-item\"><a class=\"accordion-item--a\" href=\"javascript:void(0)\"><div class=\"accordion-item--question\"><h3 class=\"question-content\">What is Atomic and how is it connected to Spruce?<\/h3><\/div><\/a><div class=\"accordion-item--answer\"><p class=\"answer-content\">Spruce has partnered with Atomic to provide the option for you to use Atomic to set up direct deposit to your Spruce account. This is a separate and optional service provided by Atomic not Pathward, which provides your Spruce Spending and Savings accounts.&nbsp;You can find out more about how Atomic works in their <a href=\"https:\/\/atomic.financial\/end-user-terms-and-conditions\/\">Terms and Conditions<\/a> and <a href=\"https:\/\/atomic.financial\/privacy\/\">Privacy Policy<\/a>.&nbsp; <\/p><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-create-block-spruce-accordion wp-block\"><div class=\"accordion\"><div class=\"accordion-item\"><a class=\"accordion-item--a\" href=\"javascript:void(0)\"><div class=\"accordion-item--question\"><h3 class=\"question-content\">What does Atomic do with my data?<\/h3><\/div><\/a><div class=\"accordion-item--answer\"><p class=\"answer-content\">Atomic will use your login credentials to link to your employer or payroll system through their encrypted connections and edit your direct deposit for you. See Atomic\u2019s <a href=\"https:\/\/atomic.financial\/end-user-terms-and-conditions\/\">Terms and Conditions<\/a> and <a href=\"https:\/\/atomic.financial\/privacy\/\">Privacy Policy<\/a> for more information.<\/p><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-create-block-spruce-accordion wp-block\"><div class=\"accordion\"><div class=\"accordion-item\"><a class=\"accordion-item--a\" href=\"javascript:void(0)\"><div class=\"accordion-item--question\"><h3 class=\"question-content\">Can I split my deposit between more than one account?<\/h3><\/div><\/a><div class=\"accordion-item--answer\"><p class=\"answer-content\">Most employers and payroll systems allow you to split your direct deposit between multiple accounts by choosing either the amount or a proportion of your paycheck to deposit into each account. If your system allows it, we allow it! You can deposit all or part of your paycheck through either our Atomic partnership or a manual update. If you already have direct deposit set up with your employer, Spruce will be the highest priority in your payroll system.<\/p><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-create-block-spruce-accordion wp-block\"><div class=\"accordion\"><div class=\"accordion-item\"><a class=\"accordion-item--a\" href=\"javascript:void(0)\"><div class=\"accordion-item--question\"><h3 class=\"question-content\">How long will it take for my direct deposit setup to take effect?<\/h3><\/div><\/a><div class=\"accordion-item--answer\"><p class=\"answer-content\">It can take 1 to 2 pay periods for the change to take effect. However, this can vary by employer or payroll provider.&nbsp;<\/p><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-create-block-spruce-accordion wp-block\"><div class=\"accordion\"><div class=\"accordion-item\"><a class=\"accordion-item--a\" href=\"javascript:void(0)\"><div class=\"accordion-item--question\"><h3 class=\"question-content\">How do I qualify for faster direct deposit?<\/h3><\/div><\/a><div class=\"accordion-item--answer\"><p class=\"answer-content\">Early access to funds depends on the timing of the payer\u2019s submission of the payment. These funds are generally made available to you the day the payment instruction is received, which may be up to 2 days earlier than the payer\u2019s scheduled payment date. To be eligible, you must receive $200 in direct deposits over the relevant 35-day period, not including tax refunds.<\/p><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-create-block-spruce-accordion wp-block\"><div class=\"accordion\"><div class=\"accordion-item\"><a class=\"accordion-item--a\" href=\"javascript:void(0)\"><div class=\"accordion-item--question\"><h3 class=\"question-content\">What if I can\u2019t find my employer or payroll provider?<\/h3><\/div><\/a><div class=\"accordion-item--answer\"><p class=\"answer-content\">There are currently over 40,000 employers supported through Atomic. If you can&#8217;t find your employer or payroll provider, Spruce provides a pre-filled PDF with the information you will need to set up your direct deposit with your employer or payroll provider. See <a href=\"https:\/\/resource-center.sprucemoney.com\/help\/send-money\/how-setup-direct-deposit-manually\/\" target=\"_blank\" rel=\"noreferrer noopener\">here<\/a> for more info.<\/p><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-create-block-spruce-accordion wp-block\"><div class=\"accordion\"><div class=\"accordion-item\"><a class=\"accordion-item--a\" href=\"javascript:void(0)\"><div class=\"accordion-item--question\"><h3 class=\"question-content\">Can I set up direct deposit for unemployment?<\/h3><\/div><\/a><div class=\"accordion-item--answer\"><p class=\"answer-content\">Yes. Atomic supports direct deposit changes for some state unemployment benefits.<\/p><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-create-block-spruce-accordion wp-block\"><div class=\"accordion\"><div class=\"accordion-item\"><a class=\"accordion-item--a\" href=\"javascript:void(0)\"><div class=\"accordion-item--question\"><h3 class=\"question-content\">What if I don\u2019t remember my login credentials for my employer or payroll provider?<\/h3><\/div><\/a><div class=\"accordion-item--answer\"><p class=\"answer-content\">Most employers or payroll providers allow you to recover their login credentials through Atomic. However, some employers may require you to complete the recovery process outside of the Atomic experience.<\/p><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-create-block-spruce-accordion wp-block\"><div class=\"accordion\"><div class=\"accordion-item\"><a class=\"accordion-item--a\" href=\"javascript:void(0)\"><div class=\"accordion-item--question\"><h3 class=\"question-content\">Can I enter a percentage of the total payment or a specified amount for my direct deposit?<\/h3><\/div><\/a><div class=\"accordion-item--answer\"><p class=\"answer-content\">Yes. Not all payroll systems or employers allow a partial direct deposit switch. Some offer only a percentage, only a fixed amount, or only a total switch. However, when available, you will see the option to move either a percentage or a fixed amount of your direct deposit to Spruce.<\/p><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-create-block-spruce-accordion wp-block\"><div class=\"accordion\"><div class=\"accordion-item\"><a class=\"accordion-item--a\" href=\"javascript:void(0)\"><div class=\"accordion-item--question\"><h3 class=\"question-content\">Once direct deposit has been set up, can I change or edit my distribution preferences?<\/h3><\/div><\/a><div class=\"accordion-item--answer\"><p class=\"answer-content\">Yes, you can go through Atomic again and update the amount you have chosen to move to your Spruce account.<\/p><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-create-block-spruce-accordion wp-block\"><div class=\"accordion\"><div class=\"accordion-item\"><a class=\"accordion-item--a\" href=\"javascript:void(0)\"><div class=\"accordion-item--question\"><h3 class=\"question-content\">How can I cancel my direct deposit?<\/h3><\/div><\/a><div class=\"accordion-item--answer\"><p class=\"answer-content\">If you want to cancel a direct deposit, you will need to contact your HR department or access your payroll system directly to make this change. Atomic does not cancel direct deposits.<\/p><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-create-block-spruce-accordion wp-block\"><div class=\"accordion\"><div class=\"accordion-item\"><a class=\"accordion-item--a\" href=\"javascript:void(0)\"><div class=\"accordion-item--question\"><h3 class=\"question-content\">If I have direct deposit set up or have multiple direct deposits for my paycheck, where do the funds move from?<\/h3><\/div><\/a><div class=\"accordion-item--answer\"><p class=\"answer-content\">Setting up direct deposit to Spruce with Atomic makes Spruce your top priority account for allocations from your paycheck. Please check with your payroll provider or employer to check or update that prioritization.<\/p><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-create-block-spruce-accordion wp-block\"><div class=\"accordion\"><div class=\"accordion-item\"><a class=\"accordion-item--a\" href=\"javascript:void(0)\"><div class=\"accordion-item--question\"><h3 class=\"question-content\">If there are changes in my paycheck, how is my direct deposit affected?<\/h3><\/div><\/a><div class=\"accordion-item--answer\"><p class=\"answer-content\">If you have moved your whole paycheck or a proportion of your paycheck to Spruce, you\u2019ll see changes in your paycheck reflected in what is deposited into your Spruce account.<br><br>If you\u2019ve moved a set amount of your paycheck to Spruce, your deposit won\u2019t automatically change with an income change unless your paycheck is less than the amount you set to go to Spruce.<br><br>Note: Setting up direct deposit to Spruce with Atomic typically makes Spruce your top priority account for allocations from your paycheck. Please check with your payroll provider or employer to check or update that prioritization.<\/p><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Find out about our new direct deposit feature in our FAQs.<\/p>\n","protected":false},"featured_media":789,"template":"","help-center-topics":[27],"class_list":["post-1641","help","type-help","status-publish","has-post-thumbnail","hentry","help-center-topics-send-money"],"acf":[],"yoast_head":"<title>What Should I Know About Direct Deposit?<\/title>\n<meta name=\"description\" content=\"Learn all you need to know about the direct deposit feature in Spruce and get set up quickly when you&#039;re ready.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What should I know about direct deposit?\" \/>\n<meta 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