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Get help if you’re over a direct deposit limit in QuickBooks Payroll

by Intuit•67• Updated 2 weeks ago

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.

For a better experience, open this article in QuickBooks Online. Launch side-by-side view.

Note: Not sure which payroll service you have? Here's how to find your payroll service.

Step 1: Understand direct deposit limits

Direct deposit limits are set per 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 paycheck date.
  • 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 paycheck date.
  • Per person means the direct deposit amount for one employee or contractor paid in a 14-day period (including weekends) from the paycheck date.

Step 2: Find out what your direct deposit limits are

For QuickBooks Online Payroll products, you can find your direct deposit limit amounts in your Payroll settings.

  1. Select Settings ⚙️, then Payroll settings.
  2. Scroll to the Direct deposit section. You'll see your limits per payroll.

If you use QuickBooks Desktop Payroll Basic, Standard, Enhanced, or Assisted contact us for your direct deposit limit amounts.

Step 3: Request a direct deposit limit increase

Requests for direct deposit limit increase are reviewed within 2 business days and we'll email you the results. 

Note: We may require you to send us bank statements to approve the amount you’re requesting.

  1. Go to Settings ⚙, then Payroll settings.
  2. From Direct deposit, select Edit ✎.
  3. Select Request limit increase.
  4. Enter the amount you need and the type of increase.
  5. Select Done.
  6. Select Save, then Done.

If you're asked to send us bank statements or other documents, upload them by going to Settings ⚙, then Resolution Center and select Payroll.

Submit an online request to increase your direct deposit security limit.

If you’re asked to send bank statements, you must send us 6 months worth of bank statements (of the payroll bank account) to ddlimits@intuit.com.

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:

Check out, Change a direct deposit paycheck to a paper paycheck.

QuickBooks Desktop Payroll AssistedQuickBooks Desktop Payroll BasicQuickBooks Desktop Payroll EnhancedQuickBooks Desktop Payroll StandardQuickBooks Online Payroll CoreQuickBooks Online Payroll EliteQuickBooks Online Payroll Premium

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