Direct deposit allowances

Payroll Discussion about the Direct Deposit Allocations and various important topics, studies, strategies, and general notes are discussed here.

Direct deposit allowances are a collection of information, discussion comments from a Reddit source.

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Direct Deposit Allocations

* * * UPDATE AT THE END * * * Hello everyone, I need help settling a debate. I explain to a friend how my wife’s direct deposit is divided. We get the first $ 300 deposited into Account A, while the rest goes into Account B (usually thousands of dollars).

On some occasions, my wife receives a separate bonus check of around $ 100. This amount is deposited into Account A because it is less than the set allowance of $ 300.

And that’s where my friend has a nervous breakdown. She believes that because we have designated that $ 300 goes to Account A, it should always be $ 300, no more, no less.

She thinks that because the check for $ 100 is not for $ 300, it should go to the remaining account. She firmly maintains that any deviation from what was supposed to be allocated is not allowed and that the company is not following “instructions”.

I believe the money is always deposited in the order of the preferred account “up to” the desired percentage or amount and then to the next account. Let’s say your allowances are Account A of $ 1,000, Account B of $ 600, and the remainder of Account C of $.

Now suppose your take-home pay was only $ 800 for a pay period. I guess that $ 800 goes into account A. His statement “I’m always right” is that the $ 800 goes into account C because he doesn’t follow the “instructions” from account A or B. Who has raison?

I know I am, lol, but I need confirmation from a professional. Thank you!


So it turns out that his company uses a cloud-based service called Ultipro. If you search online, you will see how on the direct deposit screen they allow you to add accounts without any hierarchy or order preference. Phone fuel and truck.

I had to search for almost an hour through the FAQ pages of various companies that use Ultipro until I could finally find this on the Xerox website: *

Important information regarding the available balance: when you choose “Amount in dollars ”for one account and“ Available balance ”for the other account, make sure that the amount entered for“ Amount in dollars ”is less than your take-home pay.

If your take-home pay is less than the amount entered for “Amount in dollars”, then the entire payment is deposited into the account with the parameter “Available balance”.

* * Example: Employee Bobby Smith creates two direct deposit accounts. He selects “Dollar Amount” for his first account by entering $ 1000 as the deposit amount.

He then selects “Available balance” for his second account. But, since Bobby’s take-home pay is $ 998, no deposit is made to his first account, while the entire $ 998 is deposited to his second account. * Thanks to everyone who commented.

Hope this was a fun thinking exercise. The key to winning any debate is being able to present opposing points of view better than your opponent.

She’s too stubborn to admit she was wrong, but I can sleep well knowing that I was able to prove both sides effectively. Thanks again.

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This thread was originally published on 2021-02-24 14:38:29.

Employees, Customers, and any companies can make use of the Direct Deposit Allocations study which has a detailed view of the Direct deposit allowances with payroll procedures, process, and application.

7 thoughts on “Direct deposit allowances”

  1. your friend is wrong….that’s not generally how payroll systems/ACH work. It’s the first “$x” regardless of the amount and then the leftover/rest.

    We only allow 2 accounts, so when you get into 2 or more, then it gets a bit sketchier on what is “first, second and leftover” but the form signed should set the hierarchy and it should match the payroll system calculations.

    So it might depend on how the direct deposit form is written…. hopefully it is written well, but in all i’ve seen in many years of HR/payroll is that your friend is incorrect in the cases I have seen.

  2. She is wrong. Most systems allocate to account 1 a flat amount (or a % if designated), then to account 2 the “remaining net”.

  3. She is wrong. First account with designated amount is what is “seen” by the system first then rest goes to next account until remainder goes to last account. The system is not sophisticated enough to say oh $100 I will put it in account c and skip a and b. Same if you have extra going to taxes.

  4. Of course she is wrong. You cannot deposit the remainder in a check until the flat amount is met. Not only is that illogical, it doesn’t follow your instructions for your check deposit.
    To be fair, though, I can’t tell you how many times I’ve had to walk employees through this – and client – and my spouse.

  5. OMG flashback to so much FUN trying to explain why our system used to cut a check for .01 if people used % instead of a flat rate.

    (the system couldn’t split a check evenly with % set up, so if they were paid an odd dollar amount, they’d get a check every time)

    Also fun trying to explain that there will always be an account A, account B, account C etc and the computer will always follow the same order.

    Fun times all around lol.


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