Learn what you can do if you get an error message about direct deposit limits when you process payroll in QuickBooks Online and Desktop Payroll.
For your security, we set limits on how much money you can send via direct deposit. When your direct deposit amount is higher than usual, you may get a message: "Your payment amounts are much larger than usual. If you still want to make these payments by direct deposit, request a direct deposit limit increase."
Here's what to do so you can make sure your team gets paid by direct deposit.
Step 1: Understand direct deposit limits
Direct deposit limits are set per payroll and per person.
QuickBooks Online Payroll
- Per payroll means the total amount of direct deposits for all your employees or contractors paid in a 6-day period (including weekends) from the date of payroll submission.
- Per person means the direct deposit amount for one employee or contractor paid in a 6-day period (including weekends) from the date of payroll submission.
QuickBooks Desktop Payroll
- Per payroll means the total amount of direct deposits for all your employees or contractors paid in a 6-day period (including weekends) from the date of payroll submission.
- Per person means the direct deposit amount for one employee or contractor paid in a 14-day period (including weekends) from the date of payroll submission.
Step 2: Find out what your direct deposit limits are
QuickBooks Online Payroll
For QuickBooks Online Payroll products, you can find your direct deposit limit amounts in your Payroll settings.
- Select Settings ⚙️, then Payroll settings.
- Scroll to the Direct deposit section. You'll see your limits per payroll and per person.
Step 3: Request a direct deposit limit increase
Submit an online request to increase your direct deposit security limit. Additional documentation such as bank statement(s) may be required. You can upload these documents to the request form.
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Note: If you're asked to send us bank statements, we need to know your average historical balance to make sure your account is sufficiently funded for the amounts you're requesting. |
Typically, requests are reviewed within 2 business days. We will email you the results.
If you need to pay employees today
Pay some or all of your workers with a paper check.
Note: If you’re going to give paper checks to your employees and contractors, make sure you turn off the direct deposit option when running a payroll. Follow the steps below to turn off direct deposit:
QuickBooks Desktop Payroll
- Go to Payroll, select Employees.
- Select required employee(s).
- Go to the How do you want to pay (employee name)? section, then select Paper check option from the list.
- Select Done.
