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Direct Deposit file Creator


Create direct deposit files ready to submit to your bank. Create direct deposit checks for employees and vendors with remainder balances and orders for up to 7 accounts per check.

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Create direct deposit NACHA files from QuickBooks to submit to your bank


The Direct Deposit File Creator integrates directly with QuickBooks and is available from the QuickBooks Banking menu. Use it to create direct deposit files for employees and vendors, for paychecks, checks, and bill payment checks.

It creates NACHA files using your QuickBooks data that are ready to submit to your bank.  (NACHA files are specially formatted text files that contain direct deposit data.  Many banks will accept these files directly.)

How it works

The Direct Deposit File Creator combines checks from QuickBooks with bank routing and account numbers you’ve set up on employee and vendors records.  With this data it creates a NACHA file that contains your direct deposit orders.

A summary report you can print indicates the number of orders and the total dollar amount of the orders included in the NACHA file.


There are several key benefits/features to using the DD file creator,  when compared the direct deposit features within QuickBooks:

Create DD orders for up to 7 bank accounts per paycheck

  • You can create as many direct deposit orders as you want (to 7 different bank accounts), compared to just 2 orders when using the QuickBooks direct deposit service.
  • Create more than one order per bank account (so you can create 14 orders if you send two to every bank account, or even more…)

Create “remainder” paychecks and checks, where direct deposits are less than net pay

  • Print remainder checks for less than net pay, by including one or more direct deposit orders for a check or paycheck where they total less than net pay.  For example, set up a $200 direct deposit order to an employee’s savings account and print the rest of the paycheck as a live check.

Create checks with two to seven direct deposit orders, where up to six use fixed amounts plus an additional ‘sweep’ item to capture the rest of net pay

  • You can mix fixed and percentage amounts on multiple Direct Deposit orders to collectively add up to the net pay so that there is no remainder paper check to print. So, you can deduct $50 to a retirement account, $500 to savings and then “the rest” to the employee’s checking account.

Create direct deposit orders for paychecks, regular checks, and bill payment checks all at once

  • There’s no need to use two different interfaces or services in two different steps to submit your orders, which can all be done at once.

Configuration data (e.g. bank account numbers) is stored and then gathered from QuickBooks, so no reentry of data is needed

  • The instructions include steps to set up your direct deposit items as well as employee & vendor bank account data, all in QuickBooks, as well as the steps to create direct deposit files from the QuickBooks data.

Create Prenote NACHA files for all DD accounts entered  in QuickBooks on Employees and Vendors

  • Some banks suggest Prenote files so they can confirm the file format and that the recipient bank information is correct.

Multiple bank and company Files

  • Use with as many company files as needed.  There is no per company extra charge. Configuration information such as bank and routing numbers are remembered per bank account, so you can use with multiple accounts in either one company file or in multiple companies!


  • The purchase price for this tool is a one time fee. There are no subscription or upgrades required.
  • Intuit’s direct deposit fees are $1.60 or more per paycheck for most of their payroll subscriptions.  So, for 10 employees paid weekly the fees are over $800 a year.  The Direct Deposit File Creator is just $89. Once.
  • Pay only your bank’s fees, if any, when submitting Direct Deposit files.  Some banks offer Direct Deposit to business customers at no charge, and others charge only a few cents per Direct Deposit.

Free Trial

Click the Windows logo above to download your trial.  Then install the Direct Deposit File Creator to start your free 30 day trial.  The Direct Deposit File Creator is fully functional during the trial period.



Release Notes

1.68: Added a warning message if a temp file for support can’t be created.

1.67: Change to create the temp files for backup before processing each data type instead of after.

1.66: Changes to About & Purchase dialog to handle more than one product key.  Add options to create a batch per DD order and to use the Payee as the batch description.

1.65: New option to automatically avoid weekends and federal bank holidays.  When selected, checks dated on these dates are pushed to the next valid banking day.

1.64: Change to enable standard checks for employees.  Previously only paychecks were allowed for employees.

1.63: Dialog changes for clarity.

1.62: Several changes to code for pass thru files.