A prenote (or prenotification) is a zero dollar test to validate the employee bank account information. ... An employee direct deposit bank account prenote status must be complete before direct deposit payroll can be processed and deposited into that bank account.

Is Prenote required?

The purpose of a prenote is to verify account information. Prenotes are optional; however, if sent, the prenote must precede the first live entry by at least three banking days. ... ACH Rules requires you to make the change within six banking days of receiving the information or before the next entry is sent.

How long does a Prenote take?

The prenote process usually takes 10 days to complete. During this time, the employee will receive a live paycheck. Typically, an employee receives a live paycheck after signing up for direct deposit.