FAQ

ADP's Full Service Direct Deposit^SM (FSDD) is an electronic employee payment option processed through one of ADP's partner banks. Through the use of direct deposit FSDD enables your company to save time by eliminating the need to reconcile checks against your payroll account. You can also reduce the amount of time your employees spend waiting in bank lines during business hours on payday and give them faster access to their wages.

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ADP is your single-source vendor for direct deposit service and support. If you use your local bank, you will need to coordinate inquiries regarding ADP and your bank. Employers typically find that setting up Full Service Direct Deposit with ADP is an easier, less complicated process.

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Once you have been approved for Full Service Direct Deposit (FSDD), the following guidelines and procedures will apply:

• All employees requesting direct deposit must complete the enrollment form. "Click here" to download the Stop Payment Request and Indemnification form.
• Once ADP processes the forms, we will test each account by issuing a zero balance transaction to ensure accuracy. Every time you set up an employee on direct deposit, you must allow time for this "pre-note" process, which typically takes one payroll period.
• ADP will notify you if there are any exceptions in the pre-note process. If there is a problem with an account number, you must make a correction on the next payroll. If the account number is not immediately corrected, the direct deposit process may not be complete and the employee may not be paid in a timely fashion. Your employee will continue to receive a live check until we have successfully passed the pre-note process.
• You must keep each original employee enrollment form on file as long as your employee is using FSDD, and for two years afterward.
• Contact you ADP representative upon receipt of your payroll if you want to delete or reverse a single direct deposit item or the entire payroll's direct deposits. The deletion or reversal fee per account number, per individual item is available on request.
• In order to ensure that your employee' funds are deposited in a timely manner, we recommend that you process your payroll at least three business days prior to check date.

While it can depend on when the employee's bank posts transactions - whether at the opening of business or at end-of-day processing - the following typically applies:

• For payrolls processed three banking days prior to check date, wages are posted to the employee's account and available for withdrawal on check date.
• For payrolls processed two banking days or less prior to check date, wages may be posted to the employee's account on check date, but the employee may not have access to them until the end of the day or next day.

If you use ADP's EasyPay^SM product for emerging businesses, your employees may designate a maximum of 10 accounts for direct deposit of their payroll. If you use any of ADP's AutoPay^SM products your employees may designate up to three accounts. If you are not sure whether you use EasyPay or AutoPay, contact your Client Service Representative (CSR) or Key Account Manager (KAM).

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Yes, direct deposits can be reversed. To do so, you should notify your ADP Client Service Representative (CSR) or Key Account Manager (KAM) as soon as possible. ADP will make every effort to process direct deposit reversals the same day they are received and will credit your account within three business days. Reversals can only be processed within five business days of check date. If the reversal is rejected at the employee's bank, the amount will be charged back to your account.

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Notify your Client Service Representative (CSR) or Key Account Manager (KAM) immediately. After we have been contacted, we will do our best to reverse the funds from the former employee's account and credit your account. Reversals must be processed within five business days of pay date. If the reversal is rejected at the employee's bank, the amount will be charged back to your account.

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Yes. Reversals can be performed to correct direct deposits for an entire payroll, as well as for a specific employee. Reversals must be processed within five business days of pay date.

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