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Direct Deposit (Electronic Funds Transfer)

Direct Deposit (Electronic Funds Transfer)

31 U.S.C. 3332 generally requires all federal payments, other than payments under the Internal Revenue Code, be delivered by Direct Deposit also known as Electronic Funds Transfer (EFT), unless a waiver is available.

So, recipients of federal payments must receive payment by direct deposit to an account at the recipient’s financial institution or by an electronically delivered payment to a Treasury-sponsored account, or obtain a waiver under Fiscal Service’s regulation at 31 CFR Part 208.

Payment by direct deposit (EFT) is safe, secure, efficient, and less expensive than payment by paper check.

Electronic payments are required! All federal benefit payments must now be paid electronically.

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If you get your federal benefit payment by check, you may enroll in direct deposit using the website. You may also call the U.S. Treasury Electronic Payment Solution Center at (877) 874-6347 to enroll in direct deposit or the Direct Express card

If you do not have a bank account, the FDIC’s #GetBanked website offers information to help you open an account online or at a local financial institution.

Sign up

Benefits of Direct Deposit (EFT)

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Last modified 02/21/24