Completing this direct deposit authorization takes only a few minutes using the free online PDF editor on this page. The steps below walk you through each section so your payroll department receives a document with all required information filled in correctly.
What You Need Before You Start
Have the following information ready before opening the editor:
- Your Charlotte Metro Credit Union routing number, also called an ABA transit number. Find it on your monthly account statement or inside online banking under account details.
- Your account number (13 digits for savings accounts). Check your statement or log into online banking to locate it.
- Your full legal name exactly as it appears on your credit union account.
- Your employer's payroll department mailing address or email address for submitting the completed PDF.
If you want to split your paycheck between a savings account and a checking account, have both account numbers ready. The authorization lets you designate a partial amount for one account and route the remaining funds to a second account each pay period.
Step 1: Open the PDF Editor
Click the Get Form button at the top of this page to open the direct deposit authorization inside the browser-based PDF editor. No software installation is needed. The editor runs in your browser, so you can access it on a computer, tablet, or phone without downloading any application.
Step 2: Fill In Your Information
Enter your full name, routing number, savings or checking account number, and deposit preference in the form fields. You can type directly into the PDF, add checkmarks, highlight text, and use the toolbar controls to fix any entry. Work through each field in order so nothing is missed before you save the document.
Step 3: Review Your Account Numbers
Before downloading, verify that the routing number and account number you entered match exactly what appears on your Charlotte Metro account statement. A transposed digit will send your paycheck to the wrong account, and payroll corrections typically take one to two pay cycles to take effect. Double-check both numbers before saving and submitting the document.
Step 4: Download and Submit to Payroll
Click Done when all fields are complete. Download the finished PDF to your device, or send it by email directly from the editor. Print the document and deliver it to your employer's payroll or human resources department. Confirm whether your employer prefers a printed copy or an emailed PDF before you send it. Keep a digital copy for your own records after submission.
Related Direct Deposit Forms
If you need a direct deposit authorization for another financial institution, these documents are also available on FormsPal:
- ADP Direct Deposit Enrollment Form for members using ADP payroll systems
- Citibank Direct Deposit Form for Citibank account holders
- BMO Bank Direct Deposit Form for BMO Bank members
- ACH Authorization Form for setting up recurring electronic payments to any account
Common Questions About Setting Up Direct Deposit
How long after submitting this document will direct deposit begin?
Most employers activate a new direct deposit authorization within one to two pay periods after receiving the completed document. Your first paycheck following submission may still arrive as a paper check while the payroll system processes the update. Check with your HR department about the exact timeline for your employer's payroll cycle.
Can I split my paycheck between a savings account and a checking account?
Yes. The authorization includes a partial deposit option. You can designate a fixed dollar amount to go into a savings account each payday and have the remaining funds deposited into your checking account. This approach automates savings without any manual transfers after your paycheck arrives.
Does Charlotte Metro require a voided check to enroll in direct deposit?
No. Charlotte Metro Credit Union does not require a voided check. This PDF authorization serves as the official account verification the credit union accepts from employers. Your routing number and account number are all your payroll department needs to begin sending electronic deposits to your Charlotte Metro account.
What if I entered an incorrect account number?
Use the PDF editor to correct any entry before downloading. If you have already submitted an incorrect document to payroll, complete a new authorization with the correct account information and resubmit it as soon as possible. Contact Charlotte Metro Credit Union member services if you need help confirming your routing number or account number before filling out a replacement PDF.
