When Does ADP Direct Deposit Post?

When Does ADP Direct Deposit Post?

The ADP direct deposit allows the employees receive regular deposits based on the employer’s predetermined Pay Schedule. If you select direct deposit then you will receive the wages in your bank account on payday.

Key Takeaways

  • ADP direct deposit doesn’t require any printed paychecks 
  • You will need a routing number and bank account number to initiate the ADP direct deposit
  • ADP direct deposit doesn’t have any check-clearing wait period
  • With ADP direct deposit, you will receive the money on payday

What is ADP Direct Deposit?

ADP is a type of payroll service that various business use to provide wages to their employees. It is an electronic fund transfer process that offers a direct deposit service. According to LawInsider.Com

“ADP direct deposit service includes ADP’s payment of Client’s Payees who have elected to receive Permitted Payments by direct deposit into an account at a financial institution of such Payee’s selection.”

For, ADP direct deposit, there is no need for printed paychecks. Here the employee has to fill up an ADP direct deposit form to initiate the direct deposit process. The employee has to provide their routing and account numbers to receive regular deposits based on their employer’s predetermined Pay Schedule. This is a secure and faster way of receiving wages.

What is ADP Direct Deposit?

How to Fill up an ADP Direct Deposit Form?

You have to fill up and submit an ADP direct deposit form to initiate the process. You have to download the form and then fill it up with all the required information. Now follow the below steps –

  • In the first section of the form you have to provide this information:
    • Company Code
    • Company Name
    • Employee File Number
    • Payroll Mgr. Name
    • Payroll Mgr. Signature


  • In the 2nd section you have to provide your social security number and other information:
    • Employee Name
    • Social Security Number
    • Employee Signature
    • Date


  • In the 3rd section, you have to provide information regarding your bank account:
    • Bank Name, City and State
    • Account Number
    • Checking or Savings Distinction
    • Amount ($) to Deposit


  • Finally, you have to submit the form to your manager or the Payroll department to complete the process

What Time Does ADP Direct Deposit Post?

The best part of ADP direct deposit is, that it doesn’t have any check-clearing wait period. Which means you might get your wages before payday. This is because employees’ salaries are made available in their respective bank accounts at midnight the day before payday using the ADP direct deposit service. However, depending on the bank’s policies, you might receive the money at different times. Below are the direct deposit times of various major USA banks –

Name of the BankDirect Deposit Time
Axos BankUp to two days early
Bank of AmericaSame day
BB&TBetween 12 a.m. and 6 a.m. (EST)
BBVASame business day
BECUBetween 12 a.m. and 2 a.m. (PST)
Capital OneNo later than 9 a.m. (EST)
ChaseBy 6:30 a.m. (EST)
CitibankBetween 12 a.m. and 7 a.m.
Citizens BankBetween 3 a.m. and 6 a.m. (EST)
Fidelity BankBetween 12 a.m. and 7 a.m. (EST)
PenFed Credit UnionBetween 7:30 a.m. and 8:30 a.m. (EST)
TD Bank6 a.m. on payday
SunTrust BankBetween 12 a.m. and 7 a.m. (EST)
U.S. Bank8 a.m. (PST) on payday
USAAUp to one day early
Wells Fargo6:30 a.m. (EST) on payday

Moreover, the ACH transaction requires some time to complete the process. Usually, the ACH transaction process has five steps. They are –

  • Initiation Day: This is the day when the transaction information was posted on the ACH batch
  • Effective Date: On this day, the transaction information is posted in the ACH network
  • Funding Time: This type is required to verify the transaction information and ensure the transaction is valid
  • Settlement Date: here, the deposit will be made by ACH Processor to the bank account
  • Posting Day: This is the day, your money appears in your bank account

3-Day ACH Transaction

Enter DaySettlement DayPosting Day

5-Day ACH Transaction

Enter DaySettlement DayPosting Day
Monday2nd Monday2nd Tuesday
Tuesday2nd Tuesday2nd Wednesday
Wednesday2nd Wednesday2nd Thursday
Thursday2nd Thursday2nd Friday
Friday2nd Friday2nd Saturday
Saturday2nd Monday2nd Tuesday
Sunday2nd Monday2nd Tuesday




Last Updated on December 25, 2023 by Magalie D.

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