Does the Bank of America form include a voided check?

Yes. The pre-filled form includes your account number, routing number, and a voided check, so you do not need a paper check.

Can I set up Bank of America direct deposit without a form?

Yes, in the mobile app, if you can sign in to your employer’s payroll provider.

How long does Bank of America direct deposit take to start?

It depends on your employer’s payroll schedule. A new direct deposit often takes one to two pay cycles to start, so keep an eye on your first paycheck and pay stub.

Can I use a Bank of America direct deposit to prove my income?

Yes. Once your pay lands in your Bank of America account, the recurring deposits show up on your statements, and you can connect the account to an income report that summarizes them for a landlord or lender.

Bank guide

Bank of America Direct Deposit Form

Updated October 8, 2026 · Bank of America, N.A.

Quick answer

Log in to Bank of America Online Banking and download the pre-filled direct deposit form. It includes your account number, ABA routing number, and a voided check. Give it to your employer. In the mobile app, you can instead switch your deposit by signing in to your employer’s payroll provider.

How to get a pre-filled Bank of America direct deposit form

1Log in to Online Banking at bankofamerica.com.
2Go to the direct deposit section and choose the account for your deposits.
3Download the pre-filled form. It shows your account number, routing number, and a voided check.
4Give the form to your employer or payroll provider.

Other ways to set up Bank of America direct deposit

In the Bank of America app, you can enroll by signing in to your employer’s or payroll provider’s account, with no form at all. You need that payroll login to use this option.

A blank direct deposit enrollment form is also available from Bank of America if you would rather fill it in by hand.

Employer has no form and your bank’s isn’t handy? Our free direct deposit form lets you fill in your Bank of America details and print a signed authorization.

What goes on a direct deposit form

Every employer’s form looks a little different, but they all ask for the same details. A pre-filled form from your bank covers the bank details for you. You add the rest.

Your name and address: As they appear on the bank account.
Bank name: The bank that holds the account. App-based accounts often list a partner bank instead of the app’s name.
Routing number: The nine-digit number that identifies the bank. Copy it from the form, a check, or your account details, not from a search result.
Account number: Your checking or savings account number.
Account type: Checking or savings.
Amount: Your whole paycheck, a percentage, or a fixed dollar amount, if your employer allows a split.
Signature and date: Your authorization for the employer to deposit into the account.

Some employers also ask for a voided check. If you do not have paper checks, a bank-generated form that shows your account and routing numbers usually works instead. Ask payroll what they accept.

Keep your direct deposit safe

A direct deposit form contains everything needed to send money to your account, so share it only with your employer’s payroll or HR team, through the channel they normally use.

Be wary of emails or texts asking you to “update” your direct deposit details, even if they look like they come from HR. Payroll diversion scams use fake requests to redirect paychecks. Confirm any change in person or through your employer’s official payroll portal.

Use your Bank of America deposits as proof of income

Once your paycheck lands in Bank of America, those recurring deposits are a record of what you earn. Landlords and lenders often ask for recent statements. Our guide to getting a Bank of America statement shows where to download them.

If you would rather not send every transaction, connect your Bank of America account and create an income report from your bank deposits. It shows your recurring deposits and an estimated monthly income, straight from the bank.

Bank of America direct deposit FAQ

Does the Bank of America form include a voided check?: Yes. The pre-filled form includes your account number, routing number, and a voided check, so you do not need a paper check.
Can I set up Bank of America direct deposit without a form?: Yes, in the mobile app, if you can sign in to your employer’s payroll provider.
How long does Bank of America direct deposit take to start?: It depends on your employer’s payroll schedule. A new direct deposit often takes one to two pay cycles to start, so keep an eye on your first paycheck and pay stub.
Can I use a Bank of America direct deposit to prove my income?: Yes. Once your pay lands in your Bank of America account, the recurring deposits show up on your statements, and you can connect the account to an income report that summarizes them for a landlord or lender.

Sources

Bank of America: How to set up direct deposit digitally

Steps come from Bank of America’s published help pages as of October 8, 2026. Banks change their apps often, so menu names may differ slightly. Bank of America is a trademark of its owner. Income Checker is not affiliated with or endorsed by Bank of America.