Congratulations on your decision to use Payroll Direct Deposit. It is the safe, private, and convenient way to get paid. And managing your direct deposits through your MI HR employee self-service account puts you in control!
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If you want to transfer a Credit Union deduction, see the Transfer your Credit Union Deductions to Direct Deposituser guide.
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How to use this Guide:
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Getting Started
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In order to set up a Payroll Direct Deposit, you will need to know three things: the routing number for your credit union or bank, the account number where you want your pay deposited, and the type of account (checking or savings). The routing number is the nine- digit number located in the lower left-hand corner of your personal check. Your checking account number is right after the routing number. The checking account number can be up to 17 digits long. Ignore any symbols or squiggles; all you need are the numbers. If you want your payroll direct deposit to go to your savings account, you need to enter your savings account number, located on one of your deposit slips or your last credit union or bank statement. If you have any questions about your routing transit number or your account number, contact your credit union or bank - they will be pleased to help you. Otherwise, you are ready to go!
Log in to your employee self-service account
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select the Employee menu, click on Pay, and then Direct Deposit. The screen below should come up.
To begin, click on the Add button.
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The
Direct Deposit
Authorization
pop-up window appears with the statement below. If you agree with the statement, click the little circle that says "I agree with the above." This is given the same weight as your written signature, so be sure you do agree; otherwise click the little circle that says "I do not agree with the above" and the Direct Deposit process will be cancelled.
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Direct Deposit Authorization:
I authorize the STATE OF MICHIGAN to deposit the pay owed me by the State, by direct deposit (electronic funds transfer) into the designated financial institution(s) and account number(s). I understand this authorization remains in effect until revoked (canceled) by a) me on-line, b) my death or legal incapacity, c) the STATE OF MICHIGAN, or d) my separation. You can revoke this authorization at any time by clicking on the Direct Deposit link, and selecting "revoke" beside the account you wish to cancel.
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I authorize the STATE OF MICHIGAN to recover money electronically deposited into my account(s) in error, either by adjusting or debiting the account(s), or withholding future payments. I understand I will be notified by the STATE OF MICHIGAN if adjustments or debits are being made.
I consent to and agree to comply with the National Automated Clearing House Association Rules and Regulations and the STATE OF MICHIGAN's rules about electronic funds transfers as they exist on this date or as subsequently adopted, amended or repealed. Michigan law governs electronic funds transactions authorized by this agreement in all respects except as otherwise superseded by federal law.
If more than one signature is required to authorize withdrawal of funds, I understand I must complete and submit a Payroll Direct Deposit Authorization form bearing all required signatures to my Human Resources Office instead of using Employee Self-Service authorization.
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When you agree to the Direct Deposit Authorization statement
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a dialogue window appears and asks you how many accounts you wish to add. You may have up to four active direct deposits at any time. For this example, just enter one and then click Continue. You can always come back and add more direct deposits.
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Adding Your Very First Direct Deposit
When you get to the Add Record Window, it takes only four quick steps!
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Complete the Description Field. This is used for your personal reference and is limited to 8 characters.
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Click the box to indicate Type of Account; Checking or Savings.
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Enter the Routing Number in the space provided.
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Click in the Financial Institution space. If you entered a valid routing number, the correct institution name will automatically appear. (So if the name of your Bank or Credit Union doesn't show up, there is a problem with the number you entered!)
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Enter the Account Number in the space provided.
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Here is what the form looks like filled out:
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Before you click the Add button
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notice that the Amount is set at 100%. With only one direct deposit, it is automatically set to receive all of your net pay (i.e., 100 percent of your Total Net Pay).
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Once the add process is complete
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your Direct Deposit page should look like this:
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Notice the following:
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At the top of the page, it now says you may add three accounts (remember that you can have up to, but no more than, four direct deposits).
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You have a blue
Revoke
Account
link, which you may use to cancel this direct deposit.
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Please remember that the Added date is when you set up this account for direct deposit. The first payroll processed by the State after the Added date uses your account information for prenotification. If the prenotification occurs without a problem, the very next payroll processed by the State will be the first time pay is deposited in your account (i.e., the Effective date is the first pay date when money is actually deposited in your account). If a prenotification problem does occur, you will be notified by your agency Human Resources Office.
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Changing Existing Account to Another Account
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If you want to change your Flat Amount or the Percentage of Net Pay Amount for an existing account when the account number does not change, you can do so by clicking the account number. You can only change the Flat Amount or the Percentage of Net Pay Amount. You cannot change between a checking and a savings account (or vice versa) even when the account number is the same by using this process. The new account is considered to be a separate account and must go through the Pre-Notification Process. To accomplish this, you must first revoke the existing account (if necessary), then add the new account as a separate account as described below.
If you are changing banks, changing bank accounts at the same bank, or changing from a checking to a savings account (or vice versa) at the same bank, and you do not want to continue using your existing account, you should first add the new account and then revoke the existing account. (NOTE: If you already have four accounts, you will need to revoke first and then add).
To revoke an existing account, click the "Revoke" button next to the account.
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Confirm your wish to revoke the account by clicking the "OK" button.
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Click the "Add" button to add new account information.
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Enter the number of new accounts you plan to add and press "Continue". |
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Enter the Description, Account Type, Bank Routing Number, and the Account Number and click the "Add" button. Since this example is a single account, it is already indicated as the Default Account at 100%.
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Your new account is now on file. The new account information must go through the Pre-Notification Process and will not be immediately effective. You should receive a warrant instead of direct deposit for one pay period while the new account information finishes the pre-notification process. NOTE: If you do not wish to receive a warrant for one pay period, add the new account for any amount and keep the old account as the default. When the new acccount shows up at the bottom of your on-line earnings statement, it confirms that the new account has been through the pre-notification process. At that time you can make your new account your default account and revoke the old account.
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Adding More Than One Direct Deposit
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You may have up to four active direct deposits
at any given time. Do keep in mind that each Direct Deposit you add will need to go through a prenotification process. If you already have one or more direct deposits, your Direct Deposit screen will look like this:
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When you click on Add
, you will be asked to agree again to the Direct Deposit Authorization statement. Once you indicate your agreement, you will be given an Add Record Window. In addition to the information required on your first direct deposit, this window also asks you to indicate the amount you want deposited in this account, or the percentage of your net pay you want deposited in this account. No dollar signs or percent signs are needed, so for example, check the percent box and enter 45 to deposit forty five percent of your net pay or check the amount box and enter 45 to deposit forty five dollars.
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Once you enter the required information
, including the amount or percentage of net pay you want deposited in your second account, click on Add. Your Direct Deposit screen will look something like this:
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Please notice the following:
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The Michigan State University - FCU account is now in Order 1. The default account is always in the last Order because it is where 100% of any remaining net pay will be deposited.
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There is a blue
account number
link for the Credit Union One account, which can be used to change the amount of this deposit (or to change the percentage). Changes in amount or percent do not require prenotification; the very next payroll processed by the state after the change will reflect the change.
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There is a Select New Default button appearing after the Add button. If you have two or more direct deposits, you may designate any of the active deposits as your default. When changing a default designation, you will be prompted to select a deposit amount or percent for the prior default account.
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Please keep the following multiple account tips in mind:
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If you have four direct deposits, you can only establish a new direct deposit after you revoke an existing direct deposit.
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Before you can revoke a default account, you must first designate a new default account.
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The system does not process direct deposits outside of the United States.
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The system pays special attention to account order.
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Account Order:
Net pay is deposited in the account order you designate. If there isn't enough net pay to honor a designated amount or percent, that account is skipped completely. In any case, 100% of whatever is left will be deposited in the last (default) account.
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As an example, an employee with three direct deposits usually nets $900 a pay period. $600 is designated for the 1st account, 25% is designated for the 2nd account, and the rest goes to the default account. Usually, that's $600 in the 1st account, $225 in the 2nd account, and $75 in the default account. Last pay period, however, the employee matched a 401k contribution and only had $599 in net pay. Nothing is deposited in the 1st account because there isn't enough net pay to deposit $600. The second account gets $149.75 (i.e., 25% of $599) and $449.25 goes to the default account. See the chart below, which also shows a performance bonus pay period.
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