Direct deposit it the fastest and easiest way to get paid. Simply because it takes no effort on your part. With Direct Deposit, when pay day rolls around, your money is automatically deposited into your bank account. No more waiting in line to cash your check, or deposit money into your bank. Getting paid with direct deposit is great!
But what happens if you need to show proof of income? Since there are no physical checks, how do you show proof of income? In this article we will discuss how to get pay stubs or other proof of income documents when you get paid by direct deposit.
First it is important to understand, what are pay stubs?
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What are Pay Stubs?
Pay Stubs are a detailed record of your earnings and deductions from a company within a given pay period. They typically show your earnings, deductions, and company information on a single convenience document.
Pay Stubs are the most common form of proof of income because they include tons of information, and many landlords, lenders, and dealerships are already familiar with them.
A pay stub is a great way to show proof of income. Especially when your pay stubs include your accumulated earnings since the beginning of the year.
How to Get a Pay Stub from Direct Deposit?
Get Pay Stubs from the Mail
Normally, pay stubs from direct deposits are automatically mailed to the address you have listed with your employer, so the first step to getting your pay stubs is by checking the mail. Your paystubs may have already been sent to you.
How to get Pay Stubs Online
When an employer uses direct deposit, they often use some kind of third-party payroll service such as ADP, QuickBooks, or Gusto to pay you. And most often, employers have access to your pay stubs through these softwares. Employers may simply have to login in to their pay software and pull up your pay stubs.
How to Get Pay Stubs from Paystub Portal?
Many companies have an employee or paystub portal. A paystub portal is an online website where employees can sign-in to view their schedule, request time off, and view their pay stubs.
Therefore, getting access to your employee portal is another easy way to get your pay stubs. Simply login into your paystub portal to view and download your pay stubs.
Since many employers use different softwares for their employee portal, it is important to understand where and how to access your employee portal.
Keep in mind, you may need a special employee login to access your employee payroll software. Therefore, it is a good idea to reach out to your manager or HR department for help with your login credentials.
In many cases, after you log-in and access your account settings, there should be a place to view your pay stubs. Once you view your pay stubs, you can save, download, or print your pay stubs from there.
How to get a Pay Stub from Direct Deposit by Email
Email is another common way employers can send their payroll stubs. Therefore, you can email your employer directly and request your pay stubs. As long as you have an email address for the manager or the HR department, you can send them a request.
You can contact your employer directly and request that they send you out paper pay stubs or email an electronic copy of your pay stubs.
Here is an example pay stub request email you could send:
Pay Stub Request Email
Hello,
My name is {EMPLOYEE NAME}. I am an employee with your company. I work as an {EMPLOYEE TITE}.
{I am currently trying to apply for {Apartment \ House \ Car \ Loan} and need copies of my pay stubs to verify my income.}
Or
{I need copies of my pay stubs to verify my income.}
Can you please send me copies of my original pay stubs from {BEGINNING DATE} through {ENDING DATE} to my email address?
{I have to complete the {House | Apartment | Car | Loan} application by {DEADLINE}.} Or
{I need the pay stubs by {DEADLINE} or at your earliest convenience.}
And I would greatly appreciate your assistance.
My Information:
Name: {EMPLOYEE NAME}
Pay Stub Dates: {BEGINNING DATE} to {ENDING DATE}
Employee ID: {EMPLOYEE ID - Optional}
Email Address: {EMAIL ADDRESS}
Thank you for your help in advance. I look forward to a response.
Sincerely,
{EMPLOYEE NAME}
That is a typical email someone can use to get pay stubs from their employer.
Hopefully, they will reply back with an image or PDF file of your pay stubs. These formats make it is easier for you to view and download your pay stubs.
Other Forms of Proof of Income from Direct Deposit
Depending on your state, employers may or may not be required by law to provide you with a pay stub. However, if your employer doesn’t have your pay stubs, you still have other options. Below are some alternative options on how to show proof of income when you get paid by direct deposit.
Proof of Income Letter
A Proof of Income Letter is a great option if you don’t have pay stubs because they are similar to pay stubs. They include all of the same information just in a different format. A proof of income letter is basically a letter form the company detailing your income, hired date, and job title. It should be printed on company letterhead and signed by the appropriate individual.
Similar to a pay stub, a proof of income letter is great way to show proof of income. When applying for a loan or leasing a car, a letter detailing your income is generally good enough.
Bank Statements
Instead of a pay stub, you can show proof of income with bank statements. The key with bank statements is to show bank balances and deposits in blocks of time. This will help prove that you are getting regular deposits into your checking account that match up with your monthly salary.
Another good idea is to also include deposits from specific income sources such as a Direct Deposit. This will help prove your legitimate source of income.
If you are applying for a house, apartment, loan, or car, your bank statements should show consistent deposits over a period of time. Typically, landlords, lenders, or dealerships want to see at least 3 months’ worth of deposits into your bank statements.
Summary
The best way to show proof of income is through pay stubs. Pay stubs show all your earnings and deductions on one convenient document. It is also the easiest way because it takes no effort on your part.
If you don’t have physical pay stubs, you can show proof of income with a Proof of Income Letter or an Electronic Pay Stub. Use these two options when you need to prove your income during an application or other situation that requires proof of income.
Getting a pay stub is doesn’t always happen when you get paid with direct deposit. Direct deposits are the fastest, simplest way to get paid. However, it does make documenting your income a little more difficult.
As long as you request your pay stubs from your employer beforehand and provide plenty of notice, you should have no problem getting the documents you need to prove your income.
Do you need help with your proof of income? Do you need pay stubs? We have helped thousands of people generate pay stubs for themselves and their employees.
Check out our Pay Stub Generator to get your proof of income documents today!