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Direct Deposit

Send paychecks directly to your bank account with direct deposit

Set up Direct Deposit

Enjoy the benefits of direct deposit

Get paid early
Receive your paycheck up to two days sooner with Early Pay when you set up direct deposit.

Early Pay is automatically available to checking, savings (excluding IRA savings) and money market customers who receive qualifying ACH direct deposits. At our discretion, and dependent on the timing of our receipt of the direct deposit instructions, we may make funds from these qualifying direct deposits available to you up to 2 days early. See our Deposit Account Agreement for more information.

Overdraft coverage
Balance+ has your back with access to $200 of overdraft coverage for debit card purchases when you enroll—
all without fees or credit checks.

Balance+

Balance+ is a no-fee overdraft coverage that applies to your debit card transactions. It is not available to cover checks, ATM/Cash withdrawals, or other electronic payments, such as Zelle®. Repayment is due immediately. Balance+ is provided at our discretion, and we may decline to cover any debit card transaction, for example, if we suspect the transaction is fraudulent. Please review the agreement as other terms and conditions apply.

Automated deposits
Save time by not having to physically deposit your check and waiting for it to clear every pay day.

How to set up direct deposit
  • Option 1: Log into your Discover bank account and select “Enroll automatically.”
  • Option 2: Work with your employer by providing your Discover® bank routing number (031100649) and your Discover® bank account number.
  • Option 3: Complete this direct deposit form and give it to your payroll provider.
Once you’ve connected to your employer using one of the options above, your paychecks will be directly deposited to your bank account in the next pay period or two.
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Learn more about direct deposit

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Direct deposit FAQ

Direct deposit is a secure and convenient way to have all or a portion of your paycheck or other recurring electronic deposits automatically deposited into your bank account. Funds you may choose to direct deposit include employment checks, federal payments, government refunds, stimulus checks, retirement account payments, and more.

Discover has partnered with Pinwheel to make it easy for you to automatically enroll your Discover checking, savings and/or money market accounts in direct deposit.

Alternatively, you can use our direct deposit form, or you may be able to set it up through your employer or other type of payor by filling out an electronic or paper form with them. You will need your Discover bank account and routing numbers to get started, which can be found by logging in on the Discover app or online. Please note that our routing number for direct deposit is 031100649.

Please allow up to two pay cycles for your funds to start being deposited in your Discover deposit account.

There are no fees to set up and maintain direct deposit.

Early Pay is a free service from Discover that gives you access to funds from qualifying Automated Clearing House (ACH) direct deposits up to two days early and Tax Refunds ACH deposits from IRS up to five days early. Keep in mind that early access depends on when the payment initiator (or “Payor”), typically a business or government entity, sends us information that your deposit is on the way.

Early Pay is automatically available to checking, savings (excluding IRA savings) and money market customers who receive qualifying ACH direct deposits. At our discretion, and dependent on the timing of our receipt of the direct deposit instructions, we may make funds from these qualifying direct deposits available to you up to 2 days early (and up to 5 days early for your federal tax refund). See our Deposit Account Agreement for more information.

It depends. If you are setting up direct deposit with Discover through our automatic set up, you can select from the following options:

  • Full paycheck
  • Partial paycheck – amount, percent, or remainder (the remainder of your paycheck will be deposited after existing allocations are made)

If you are setting up direct deposit using our direct deposit form or your payor’s electronic or paper form, your options may be different.