Employer direct deposit issue

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s.jessica
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Employer direct deposit issue

Postby s.jessica » Mon Jun 24, 2013 7:01 pm

Does anyone know anything about some silly rule that employers must have a voided check with your name and physical address to set up direct deposit? When I opened my checking account my bank suggested using a Post Office Box instead of my physical address on my checks - that way some slime ball can't figure out where I live by looking at one of my checks.

Things were working fine until the other day when someone from HR said they would need me to bring in a voided check with my name and physical address on it so I can get direct deposit. They will no longer issue paper checks to anyone and if I don't bring them a voided check they said I would be issued a payroll card.

It sounds kind of stupid to me, I know cards like Amex Bluebird allow for direct deposit but HR said "no" because it has to be either a (1) real checking account or (2) their payroll card. The last time I did this I just provided a routing number and my account number, now they said they need proof it's a real bank account and it's mine.

We have someone new in the HR department and I'm kind of questioning if they have a clue what they are doing.


im_mr_awesome
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Postby im_mr_awesome » Mon Jun 24, 2013 7:06 pm

Yeah I just gave them my information and a few weeks later they had it set up. I work for government though, so I assume they can get around any silly limitations. On the other hand, I have a second job through the summer and they have yet to get my direct deposit information processed. I didn't provide them with a voided check either--they just had me fill out my account information on some hiring paperwork.

I doubt there's any real need for a physical address. Probably just a stubborn HR person.
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DavidNY
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Postby DavidNY » Mon Jun 24, 2013 7:33 pm

s.jessica wrote:I know cards like Amex Bluebird allow for direct deposit but HR said "no" because it has to be either a (1) real checking account


Bluebird is a real checking account, you can request checks.

Otherwise just request checks from your bank or credit union.

MemberSince99
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Postby MemberSince99 » Mon Jun 24, 2013 9:38 pm

Sounds like they are just being your typical fascists in HR - dumb, and on a power trip and wanting to jerk you around any way possible to establish that they are in control.

I can't see what the hell difference the address makes whether it's a PO Box or a physical address for a direct deposit. If your bank is fine with your address, they ought to be as well.

beef.stu
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Postby beef.stu » Tue Jun 25, 2013 1:38 pm

When I set up direct deposit at my job I had to send a scan of a voided check, but im not too sure about the address part. I remember having to fill out a form in addition to my check that asked me for my address.
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swipe_masta
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Postby swipe_masta » Tue Jun 25, 2013 4:57 pm

s.jessica wrote:When I opened my checking account my bank suggested using a Post Office Box instead of my physical address on my checks - that way some slime ball can't figure out where I live by looking at one of my checks.


I don't know who you bank with or who at the branch you went into suggested that, but it seems like personal advice rather than professional advice, which they shouldn't really be giving out. I hope you didn't open a PO Box just for this reason... Some of places don't accept PO Box address checks/IDs esp when you are ordering something online thru the store.

Your new HR person sounds like they're fresh out. With that said, You can go to your bank and request a direct deposit form with your info and the bank's info on it. This is typically for those who have basic checking accts and don't have checks. It won't cost you anything and your employer has to take it because it is directly from your financial institution.

jojo
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Postby jojo » Wed Jun 26, 2013 10:08 pm

*face palm* It's people like that who make HR look bad.

HR used to ask for a physical check because they thought their employees were too dumb to figure out the difference between a routing number, account number, and check number. Guess what, HR? We're smarter than that!

It could be that your company has had problems in the past where employees were depositing their checks into bank accounts that they weren't on. That could turn into a real problem for the employer, so I understand the need for verification.

You can get a direct deposit verification form from your bank or Amex prepaid card and give that to HR. I don't know what the deal is with the physical address - that's flat out silly. The payroll cards are a horrible disservice to employees. They're often loaded with ridiculous fees and restricts how much of your check you can withdraw. Some employers get a kick back from the payroll card issuer so that can be a motivation for the employer to enact silly rules to force their employees to sign up for the card. That's so sad, but it happens. A McD franchisee was recently sued for this practice.

I'd try again with the HR rep with a verification form in hand. If he/ she refuses, take it to their manager and move it as far up the leadership chain as you have to.

s.jessica
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Postby s.jessica » Tue Aug 06, 2013 1:32 am

Just wanted to put in an update. It took this long to get the answer but we finally got it! My supervisor didn't even know this! When you give your routing number and account number this information needs to be typed, NOT hand written. My bank made out a letter for me for my employer stating this was my correct address and account number but wrote in information in by hand, a big NO NO. The payroll department had to issue me several physical checks which really ticks them off to the point they told my supervisor he needed to get the correct information or I would be required to accept their payroll card if I wanted to keep my job.

When I was finally able to speak with the payroll department directly they said providing a voided check for the direct deposit was the preferred method, however ANY account that accepts direct deposit is acceptable including most prepaid cards and Bluebird. They said most accounts with online access that accept direct deposits have a direct deposit information page and all that is needed is to print out that page.

MemberSince99
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Postby MemberSince99 » Tue Aug 06, 2013 6:25 am

I'm surprised these fascists don't won't it hand written - in your blood. What better way to further degrade and control you, which is part of the lovely agenda of every employer these days.

I'm not working for any el-cheapo outfit that insists on paying me via a pre-paid card - until they all do it and I HAVE to do that. But more and more being homeless seems preferable to dealing with the non-stop insanity and evil of corporate America. I just wouldn't want to be homeless here where it's bitter cold more than half the year, I'd rather be homeless down south. It's starting to be less of a fear to me all the time because while I'd have nothing at least I wouldn't have to deal with them and that's truly priceless.

s.jessica
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Postby s.jessica » Tue Aug 06, 2013 11:43 am

For some reason this place doesn't really like their own payroll card and they won't even tell you about it unless you fail to provide them with the requested direct deposit information. The only thing that totally irritates them is to have to write a paper check. What's funny is they told me if I was having trouble with my bank account to open a Bluebird account because it was better than their payroll card.



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