(EFT) Direct Deposit Form 2025

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Direct Deposit (Electronic Funds Transfer) 31 U.S.C. 3332 generally requires all federal payments, other than payments under the Internal Revenue Code, be delivered by Direct Deposit also known as Electronic Funds Transfer (EFT), unless a waiver is available.
Essentially, EFT (electronic fund transfer) is used to move money from one account to another. The transaction is completed electronically, and the two accounts can be at the same financial institution or different financial institutions.
What is direct deposit? Direct Deposit (Electronic Funds Transfer) is the electronic transfer of your paycheck, benefit check or other payment into your checking, share draft or savings account, or other low-cost account offered by your bank.
An electronic funds transfer (EFT), or direct deposit, is a digital money movement from one bank account to another. These transfers take place independently from bank employees. As a digital transaction, there is no need for paper documents.
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