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What is Direct Deposit and its benefits?

  • Direct Deposit is safe, simple, and convenient.
  • Your check will be electronically deposited in your account(s) on payday.
  • No waiting in line at the bank or ATM.
  • No more worries about mail delays, lost checks, or missing a check when you’re out of the office on payday.
  • You can do Direct Deposit to many different accounts and/or banks.
  • Many banks and other financial institutions offer incentives for using Direct Deposit.

How does Direct Deposit work?

USC electronically deposits your pay directly into your account(s) on payday.

When are funds from Direct Deposit available?

Your money is immediately available on Payday.

How do I sign up for Direct Deposit?

There are two ways to sign up for Direct Deposit:

  • Sign up by eTrac at . This is the fastest method.
    1. Select "Payroll Direct Deposit Update"
    2. At "Select Option", choose the appropriate action (new, change, etc)
    3. Enter the information for each account.
    4. Click "Save and Validate Entry".
    5. IMPORTANT: eTrac has returned to the first page. You must click "Submit to Confirm Changes".

  • If you do not have access to eTrac, or would prefer, fill out a Direct Deposit Application Form and attach voided check(s) or deposit slip(s) as required. Then, submit the completed form to your Home Department Coordinator or to UPS. You must fill out the application correctly and accurately; otherwise, it will be returned unprocessed.

How soon after I sign up will my checks be direct deposited?

It will take about 3 weeks from the day you update eTrac, or the date we process a paper application. You will continue to receive paper checks in the interim.

How do I see my check information ("Payment Stub") if I sign up for Direct Deposit?

You will receive an email notification that your check stub information is available to view on eTrac ( You will see your gross pay, all taxes and deductions, and your net pay. 

You may print a copy on your local printer, or sign up to receive a paper copy known as an "Advice Slip" (see next item). 

To print a copy on your local printer:

  1. On eTrac, select "Payment Stub Inquiry"
  2. Select Pay Period.
  3. At bottom of screen, select "create PDF".
  4. At message, click on "View Reports".
  5. Select and Print.

How do I elect to receive the paper "Advice" slip? How do I elect to stop receiving the Advice Slip?

You may opt in or opt out for the advice slip at any time, and you may change your instructions as often as you choose.

  1. Go to eTrac at
  2. Select "Work Information Update"
  3. At the bottom of the screen, at "Direct Deposit Advice Disposition Information" choose the drop-down box
    • "Electronic - Not Printed" = no paper advice slip
    • "Home Department" = you will receive the green Advice Slip from your Home Department
  4. Click "Submit for Confirmation".
  5. IMPORTANT: eTrac returns to the main page. You must click Submit for Update..

Can I set up Direct Deposit to more than one bank?

Yes. USC can split your net payroll between multiple accounts and/or banks. However the split can only be done by a whole percentage number (for example, between two banks at 95% and 5%); we cannot direct deposit a flat dollar amount.

Can I set up Direct Deposit with the USC Credit Union?


  • You may set up a 100% Direct Deposit to the USC Credit Union directly through the Credit Union, or via etrac or paper form as described above.

  • If you wish to set up direct deposit to two or more banks or financial institutions, one of which is the USC Credit Union, you must do so either through eTrac or the paper form.

What do I do if I want to change my Direct Deposit instructions?

To change your Direct Deposit instructions, go to eTrac and make the update, or submit the paper form.

Change of percentages only (no change to bank or account number): If submitted by eTrac will take place immediately; if submitted in paper will take approximately 3 working days.

Monthly:no later than the 15th of the month
Biweekly:no later than the end of the pay period

Change of bank or account number: Will take about 3 weeks, and your old instructions will remain in place in the mean time.

What do I do if I want to cancel my Direct Deposit?

Go to eTrac and make the update there. Do not delay.

Monthly:no later than the 15th of the month
Biweekly:no later than the end of the pay period

What do I do if I have to close an account my deposit is going to?

VERY IMPORTANT:  You MUST IMMEDIATELY cancel your entire direct deposit instructions (even if you only closed one account).   Go to eTrac or submit the paper Cancellation of Direct Deposit form.

Monthly:no later than the 15th of the month
Biweekly:no later than the end of the pay period

If money is sent to a closed account, Payroll must wait for the funds to be returned before issuing you a replacement check. This can take up to four banking days.

Can I have Direct Deposit on a "Hand Drawn" Check (Out-of-Cycle Check)?

No. Direct Deposit applies only to "system generated" checks only. All "out-of-cycle" (hand drawn) payments are made manually and cannot be directly deposited.

When is Direct Deposit not available?

Direct Deposit is not available in the following situations:

  • On "Hand Drawn Checks" (late pay, terminations)
  • Non-resident alien stipend or fellowship checks

Can I set up direct deposit for any checks issued to me by Disbursement Control?

Yes, however you must use the paper Direct Deposit Application Form and attach voided check(s) as required.

If you wish, you can even set up for your checks from payroll to go to one account, and your checks from Disbursement Control to go to a different account.

At this time, you cannot set up direct deposit for Disbursement Control checks via etrac.


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