Does QB Desktop have a direct deposit limit?

Hello! 

I've now requested the credit increase for direct deposit and it was approved.  I still can't process payroll.  It is still giving me the same error message.  I've been on chat and phone w/ support now since 7 this morning and for 6 hours yesterday and no one can help me.  I am at my wits end here.  What has happened to support with Quickbooks?  Why can't anyone help me or get me to someone who can actually help me.  I've been given the run around for almost 4 hours now.  This doesn't help me.  

We've updated, we've restarted, we've done everythign and we still get the same result.  I can't even get someone to call me back b/c I'm not able to request a call back, only chat.  

Thank you for the quick response, @BethatVIVO.

I'll share and guide you the steps on how to sync the approved direct deposit limit increase. You can do it by updating your tax table version.

Here's how:

1. In your company file, go to the Employees menu at the top.
2. Look for Get Payroll Updates from the drop-down.
3. Click the Update button. See the attached image below.

After the update is complete, go back to sending your direct deposit payroll again. If you're still unable to send payroll, please contact our Payroll Support. This way, they'll be able to verify your direct deposit limit settings. They'd be able to check and correct it using their payroll tools.  

To reach out:

1. In your Home Page, press F1 or Help at the top menu.
2. Select Contact us. A Contact Us page will open on your QuickBooks page.
3. Type "payroll" in the Ask us anything field, then tick Search.
4. Choose Get Phone Number or Start a Message.

 I can still offer help if you have other payroll questions, @BethatVIVO. Just leave them in the reply section below and I'll be there for you. Have a great day ahead. 

I am having a similar problem and about to lose my mind! 

I tried to run payroll on 01-Oct for 1 employee using direct deposit with QB desktop 2020 and on 03-Oct we discovered that the paycheck funds were taken out of the employee's account and then deposited back into the same account that day. I figured I messed up the payroll set up so I tried to re-run it and ran into the old "deposit-limit reached" issue. I tried contacting QB support and was told that I had set up the account correctly and to try again after 6 days after the limit resets.

6 days later: I try to re-run payroll and again get the same message.

Contacted support (after 4 hour run-around with chat nonsense) to find out that 6 days is for QB payroll online. I need to wait 14 days for QB desktop. Support lady tells me to delete the payroll and try a new unscheduled payroll. Again, same limit error.

Today is 15Oct and I tried again to run payroll. (Meanwhile, my 1 employee is about to murder me).

Same deposit limit reached error message. 

I just contacted support and received a robocall. I answer the phone and there is silence. Then I'm disconnected.

I guess I will just keep venting my Quickbook woes online until I get some support. I cannot believe they are charging monthly for this crappy "payroll" service!

Hi,

I know this hasn't been easy for you and your employee. For now, you can cut a paper check for your employee so they can still get paid on time while your account is being reviewed. Make sure to change the checks in your product to paper checks before attempting to send it again.

Limits are placed to protect your account from fraudulent ACH activities. Once your account has reached a direct deposit limit, an email will be sent to you from DDLimits@intuit.com. This includes details on why the account has been placed on hold and what you can do to resolve it. Once a request is submitted, the process takes two business days. It's also advisable not to run any payroll while the account is reviewed. This will cause another error.

You can reach out to our Payroll support again. They can directly check with the Risk Management Team to review your request immediately.

Here's an article to learn more: Payroll account suspensions, security checks, and risk management.

I'll be here if you have other questions.

Thanks for your reply but I’m already at my wits end with this and have decided to cancel quickbooks payroll and go with another payroll service. 

Thanks for your reply but I am at my wits end with this. I tried contacting support 4 times yesterday and they just kept putting me on hold and then suddenly getting disconnected until “sorry we’re closed”.

I’ve decided to cancel quickbooks payroll and go with another service. 

To confirm, the direct deposit limits are based on the net amount that will be deposited into each employees' account, correct? As in, I should be referring to the net amount of the direct deposit when comparing that to the limits set for each employee/aggregate?

So, for example.. If I have one employee who is going to be paid $50k this pay period, but the direct deposit limit is $40k, and the employee has asked for $35k (ignoring all other taxes for sake of simplicity) to be withheld for fed taxes, would this be OK?  The direct deposit would only be for $15k, which is below the $40k limit 

Yes, there is a daily DD limit that you would have specified when you originally engaged DD in QB. Where that limit exists in QB Payroll for you to view I have no clue. But there may two limits, one on the total in one transacton to be deducted from your bank account and the other being the net check amount to be DD into employee account

The other distinct possibility would be if your bank has a daily limit on ACH

This is unfair for a new company that does not have enough history. Even though the company has enough fund in their checking account, they could not process payroll due to DDL (Direct Deposit Limit). I also think that I need to find other payroll programs.

Worst customer experience I have ever witnessed in my entire life. Unless we call cancel and cause a massive decrease in their sales revenue they will not make any improvements to their customer service. 

I ended up going with Gusto Payroll and have not had any issues all year. Everything was simple and their customer service reached out to me to offer guidance to run my first payroll. 
The whole point of paying for a payroll service is to save time and for convenience. If QUickBooks cannot offer that much, they should not be charging for a service they cannot provide.

I agree 100% 

I will be looking into gusto payroll. Thanks for the input. I have made countless complaints that have never been resolved. How they remain in business with such a horrendous customer service track record is beyond me. 

Same issue - it's our money yet QB sets arbitrary limits on how much we can pay and when?!  I've called QB support 6 times and chatted twice, each QB "support representative" gave me a different answer to this simple question.......What is our limit per day? per week? per contractor?  One "QB Support Rep" told me the limit resets every Monday, one told me it resets every 5 days, one told me it resets every 6 banking days, one told me I have no limit.  2 calls got "dropped" and two chats "ended".  Still no TRUE answer to my question!!!  Bottom line, QB has interfered with my business under the guise of "protecting my security".  I call B-S - if QB would answer my one simple question, I could possibly find a work around but no-one in QB seems to know how this works so........who do I call, ghostbusters?

QB - train your "support" staff!!!  In the meantime, someone who actually knows the answer to my question needs to reach me in writing with the answer!  

Same issue.  Running clients payroll since 2009.  Now randomly can't get the payroll to send due to direct deposit limit????????  

Client has no paper checks.  Payroll is no more than I've run in the past for this client.  I need an answer asap and need this resolved as swiftly as possible.  

Hi there, dso0216.

I can see you're previously posted a similar question about direct deposit limit in a separate thread. Let me route you to this link so you can read the answer and follow the steps on how to resolve the issue: https://quickbooks.intuit.com/learn-support/en-us/employees-and-payroll/re-unable-to-send-direct-dep....

The Community is always here if you need anything else. 

Received an approval.  Still unable to send payroll due to direct deposit limits.  Had an email authorizing limit increase.  Unable to find where to enter authorization number.  Call support.  Very difficult to understand rep.  While speaking (or trying to speak) I noticed the email had the bank the client used about 10 years ago.  Rep said to reply to email with current bank which I did.  She then tells me to look for another approval email.  I've seen nothing from Intuit since last night.  Payroll needs to run today.  She tells me to issue manual checks I respond that client has no manual checks!!  Many younger clients no longer have accounts with checks.  Help!!

Good morning, @dso0216. 

Thanks for taking the time to follow up with us and sharing additional details. 

Since manual checks aren't an option for your client at this time, I recommend contacting our Payroll Support Team. This way, one of our agents can assist in your approval and authorization. You can use the link I've included below to contact support via phone or chat. 

• QuickBooks Desktop Payroll Support

Please let me know if you have any questions or concerns. Take care! 

This is absurd! I have employees in multiple states and countries that need to get paid but I can not pay them even though I am paying to use QBO Payroll (their solution: run payroll the Friday prior to the Friday of payroll, or spend money to get paper checks for employees that you can process through QB). They set an arbitrary limit on what we are allowed to spend every 6 days and while I would love to automate all my payments through QBO I can not because we have single payments higher than our 6 day DD limit. I do not have time to wait 5 days for QB to decide that I can spend the money in the business account. I will be looking into Gusto as well as my partner uses it with no issues and way less headache.

I have run into this recently and I had to increase the limits of DD with Intuit.  It seems they had to do something online before I could run the payroll at issue once it was raised.  I was told DD limits were reset every 6 days and I'm on QB Desktop.  I do payroll weekly and haven't had an issue since I increased it.  I do wonder still if the limits are gross payroll or net payroll.

I have to say that I am extremely disappointed in QB Direct Deposit Limits. I am running a real estate brokerage and I am trying to pay my agents but keep hitting my DD limits.  I reached out to payroll support to get my limits increased. I offered to provide all closing statements, copies of my agent/broker agreements, copies of statements from the escrow companies that wire funds into my account but was still denied. The nature of a real estate brokerage is the commission comes to the brokerage first, I deduct fees and taxes and then need to send that money onto the real estate agent who closed the transaction in a timely manner. In the response they did not provide anyone that I can talk to about working through the issues I am facing because of this. In short QB does not care especially for this type of business.