ADP Direct Deposit Rejected: Meaning, Causes, and How to Fix It
This article explains what ADP direct deposit rejected means, why it happens, and the exact steps you can take to fix the issue quickly so you get paid without unnecessary delays.
PAYROLL PLATFORMS
Abram Pandey
1/19/20262 min read
What Does “ADP Direct Deposit Rejected” Mean?
When you see ADP direct deposit rejected, it means ADP attempted to send your paycheck electronically, but your bank did not accept the transaction.
As a result, the money is returned to ADP instead of reaching your account.
This does not mean your employer refused to pay you. It is a banking or information-related issue.
Common Reasons ADP Direct Deposit Gets Rejected
1. Incorrect Bank Account Number
Even a single wrong digit in your account number will cause the deposit to fail.
2. Wrong Routing Number
Using an outdated or incorrect routing number is one of the most common causes.
3. Account Type Mismatch
Selecting checking instead of savings, or vice versa, can trigger rejection.
4. Closed or Inactive Bank Account
If your account was recently closed, frozen, or inactive, the bank will reject the deposit.
5. Bank Name Mismatch
Some banks require the exact registered bank name to match ADP records.
6. Bank Rejection Due to Compliance Checks
Occasionally, banks reject deposits due to internal verification or fraud prevention rules.
What Happens After a Direct Deposit Is Rejected?
The funds are sent back to ADP.
ADP notifies your employer.
Your employer must reissue payment, either by:
Corrected direct deposit
Paper check
Pay card (depending on company policy)
This process can take 2–7 business days, depending on payroll schedules.
How to Fix ADP Direct Deposit Rejected (Step-by-Step)
Step 1: Verify Your Bank Details
Log in to your ADP employee portal and carefully recheck:
Account number
Routing number
Account type
Step 2: Contact Your Bank
Ask the bank:
Why the deposit was rejected
If any restrictions exist on incoming ACH deposits
Step 3: Inform Your HR or Payroll Team
Let payroll know immediately so they can:
Correct the details
Reissue your payment faster
Step 4: Update Information Before Next Payroll Cutoff
Changes made after payroll processing may apply only to the next cycle.
Final Thoughts
An ADP direct deposit rejected error is frustrating, but it is usually easy to fix once the cause is identified. Most issues are due to small data errors, not employer mistakes. Acting quickly and communicating with HR ensures you receive your pay without long delays.
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