Open a checking account at a bank or credit union that offers direct deposit
Get your account number and routing number from your bank
Ask the payer if they support direct deposit for non-employer payments
Complete the payer’s direct deposit form or ACH authorization form
Provide your full legal name, bank name, routing number, and account number
Attach a voided check if requested
Verify whether the direct deposit is for recurring payments, such as benefits, freelance income, or government payments
Submit the form to the payer or payment platform
Confirm the first deposit has been sent
Check your bank account for a test deposit or small verification deposit
Update your banking details if your account changes
Use a payment service or payroll platform if the payer does not offer direct deposit
Consider alternatives such as ACH transfer, wire transfer, or payment apps if direct deposit is unavailable