How To Get Pay Stubs From Direct Deposit

Article Summary

Pay stubs are usually generated every pay period and sent out with paychecks. If your paycheck is deposited directly into your bank account, you may need to take a few extra steps to get a pay stub. You can get a copy of your pay stub online or by contacting the payroll department in your company.

The rise of online banking has led to an increase in the popularity of direct deposits. Simply put, a direct deposit is when the money from your paycheck goes directly from your employer into your bank account. This makes getting paid easy and convenient, as employees don’t need to make a trip to the bank to deposit a physical paycheck.

On the other hand, direct deposits have made receiving pay stubs a more little difficult. Traditionally, employees receive pay stubs with their paychecks. So if you’re not receiving a physical paycheck, how do you get a copy of your pay stub?

Let’s take a look at what a pay stub is, why you need one, and how you can get a physical or electronic copy of yours.

What is a pay stub?

A pay stub documents an employee’s earnings and deductions. Pay stubs are separate from paychecks, though you can receive a new pay stub for each pay period alongside your check. A pay stub will traditionally include the following:

  • Employee’s salary or monthly income
  • Sick or vacation pay
  • Bonuses
  • Earnings before taxes (gross pay)
  • Deductions for federal and state taxes
  • Money allocated toward insurance or retirement plans
  • Earnings after tax deductions (net pay)

For hourly wage workers, a pay stub will list information such as hourly pay rate, hours worked, and tips earned.

Pay stubs can be accessed both physically and electronically. A pay stub is also referred to as an earnings statement, pay slip, salary statement, or paycheck stub.

Why you may need a pay stub

There are a few different reasons why you may need a pay stub, but one of the main reasons is to provide proof of income. Many landlords and lenders require potential tenants and borrowers to prove that they have a steady stream of income. Showing pay stubs from an employer is the easiest way to verify income.

Additionally, pay stubs can make filling out tax forms much easier. Also, if you’re ever in an accident and need to request compensation for loss of earnings, a pay stub can make calculating this compensation easier by proving how much income you have lost.

What is direct deposit?

Direct deposit is when an employee’s paycheck is transferred electronically into their bank account. In other words, instead of receiving a physical paycheck and having to go to the bank to deposit it, you receive your payment automatically when the money is sent directly to your bank account.

Direct deposit has become increasingly popular over the years thanks to its ease and convenience. Most companies today choose to pay their employees through direct deposit.

Even if you receive a physical copy of your paycheck, you don’t necessarily need to go to the bank to deposit it. Most banks today offer customers the option to deposit their checks virtually through a mobile app.

Pro Tip

Most employees have their paychecks deposited into a checking account, but some banks also allow customers to receive direct deposits in a savings account. Take a look at some of the savings accounts below to find one that works for you.

How to get a pay stub from direct deposit

Before online banking, employees would always receive pay stubs alongside their physical paychecks. If you get paid through direct deposit, you may be wondering how to get a copy of your pay stub. The following are a few different methods you can use to access your pay stub both electronically and physically.


Most employers use a third-party payroll service to pay their employees through direct deposit. If your employer uses such a service, you may be able to access your pay stub through their website. In most cases, employees simply need to log in to the payroll service’s website to find their pay stubs.

Employee website

Most companies have an employee website, which employees can use to view their schedule, request time off, and view their paychecks and pay stubs.

Accessing your pay stub this way should be similar to how you would access it through a third-party website: simply log in to your profile and navigate to the pay stubs section. This is also a great way to generate pay stubs yourself if you need them right away and your employer wouldn’t be able to get them to you quickly enough.

By email

Usually, you can get a copy of your pay stubs by emailing your human resources department or boss directly. They can either send you your pay stubs directly or show you how to access them yourself. You can also print the emailed versions if you need paper pay stubs.

Ask your employer

If none of the above options are available to you, reach out to your employer. If you talk to either your boss or your company’s payroll department, they may be able to give you a physical pay stub or send you an electronic copy.

Alternatives to a pay stub

If you’re in need of documents to provide proof of income to your lender or landlord, you have a couple of other options besides pay stubs. To prove you have a steady income, you can also show bank statements and proof-of-income letters.

  • Bank statements. A bank statement shows a history of all your transactions, including deposits, charges, and withdrawals. Bank statements are prepared by your financial institution and can generally be accessed through your online account. You can also ask your bank to send you physical copies of your statements in the mail.
  • Proof-of-income letter. A proof-of-income letter is an official document given to an employee to prove they are currently employed and earning an income from the company. If you don’t have such a letter, or if you need to replace one you lost, contact your employer and they should be able to send you one.


Can I find my pay stubs online?

Most employees should be able to access their pay stubs online. Simply log on to your employee portal or the third-party payroll service’s website and access the pay stub section there.

How can I get my pay stubs without an employer?

If you need a pay stub from a previous job, contact your former supervisor or human resources department. If you’re self-employed, you’ll have to create your own pay stub. Self-employed people can make their own pay stubs using spreadsheet software. There are also plenty of online companies that can easily generate pay stubs for you.

How do I get proof of direct deposit?

Proof of direct deposit, or direct deposit authorization forms, can be obtained through your online account. You can also visit your bank branch and receive one in person.

Can I use my bank statement as proof of income?

Yes, in most cases, you can use your bank statement as proof of income.

Key Takeaways

  • Pay stubs are documents that lay out an employee’s earnings and deductions, such as sick pay and tax deductions.
  • You may need to use pay stubs as proof of income for your potential landlord or lender.
  • You can access pay stubs through your employee portal on your employer’s website or by emailing a representative in your company’s human resources department.
  • Physical copies of your pay stubs can be accessed by requesting them directly from your HR department or by printing electronic copies accessed online or emailed to you.

Find the right lender to grow your available funds

Providing proof of income is just one of the steps you need to take to get a personal loan; you also need to find the right lender. Before any loan application, it’s generally recommended to compare at least three lenders to ensure you get the best deal.

Fortunately, SuperMoney can help. Use our comparison tool to find personal loans that fit your needs, or check out our list of the best lenders on the market.

View Article Sources
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