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31 U.S.C. § 3332 — Required direct deposit
Federal law — U.S. Code and appendices · legal_authorities
**(a)**
(1) Notwithstanding any other provision of law, all Federal wage, salary, and retirement payments shall be paid to recipients of such payments by electronic funds transfer, unless another method has been determined by the Secretary of the Treasury to be appropriate.
(2) Each recipient of Federal wage, salary, or retirement payments shall designate one or more financial institutions or other authorized payment agents and provide the payment certifying or authorizing agency information necessary for the recipient to receive electronic funds transfer payments through each institution so designated.
**(b)**
(1) The head of each agency shall waive the requirements of subsection (a) of this section for a recipient of Federal wage, salary, or retirement payments authorized or certified by the agency upon written request by such recipient.
(2) Federal wage, salary, or retirement payments shall be paid to any recipient granted a waiver under paragraph (1) of this subsection by any method determined appropriate by the Secretary of the Treasury.
**(c)**
(1) The Secretary of the Treasury may waive the requirements of subsection (a) of this section for any group of recipients upon request by the head of an agency under standards prescribed by the Secretary of the Treasury.
(2) Federal wage, salary, or retirement payments shall be paid to any member of a group granted a waiver under paragraph (1) of this subsection by any method determined appropriate by the Secretary of the Treasury.
**(d)** This section shall apply only to recipients of Federal wage or salary payments who begin to receive such payments on or after January 1, 1995, and recipients of Federal retirement payments who begin to receive such payments on or after January 1, 1995.
**(e)**
(1) Notwithstand
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Source location: Title 31, Chapter 33, § 3332; chapter-033-depositing-keeping-and-paying-money.md
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**(a)**
(1) Notwithstanding any other provision of law, all Federal wage, salary, and retirement payments shall be paid to recipients of such payments by electronic funds transfer, unless another method has been determined by the Secretary of the Treasury to be appropriate.
(2) Each recipient of Federal wage, salary, or retirement payments shall designate one or more financial institutions or other authorized payment agents and provide the payment certifying or authorizing agency information necessary for the recipient to receive electronic funds transfer payments through each institution so designated.
**(b)**
(1) The head of each agency shall waive the requirements of subsection (a) of this section for a recipient of Federal wage, salary, or retirement payments authorized or certified by the agency upon written request by such recipient.
(2) Federal wage, salary, or retirement payments shall be paid to any recipient granted a waiver under paragraph (1) of this subsection by any method determined appropriate by the Secretary of the Treasury.
**(c)**
(1) The Secretary of the Treasury may waive the requirements of subsection (a) of this section for any group of recipients upon request by the head of an agency under standards prescribed by the Secretary of the Treasury.
(2) Federal wage, salary, or retirement payments shall be paid to any member of a group granted a waiver under paragraph (1) of this subsection by any method determined appropriate by the Secretary of the Treasury.
**(d)** This section shall apply only to recipients of Federal wage or salary payments who begin to receive such payments on or after January 1, 1995, and recipients of Federal retirement payments who begin to receive such payments on or after January 1, 1995.
**(e)**
(1) Notwithstanding subsections (a) through (d) of this section, sections 5120(a) and (d) of title 38, and any other provision of law, all Federal payments to a recipient who becomes eligible for that type of payment after 90 days after the date of the enactment of the Debt Collection Improvement Act of 1996 shall be made by electronic funds transfer.
(2) The head of a Federal agency shall, with respect to Federal payments made or authorized by the agency, waive the application of paragraph (1) to a recipient of those payments upon receipt of written certification from the recipient that the recipient does not have an account with a financial institution or an authorized payment agent.
**(f)**
(1) Notwithstanding any other provision of law (including subsections (a) through (e) of this section and sections 5120(a) and (d) of title 38), except as provided in paragraph (2) all Federal payments made after January 1, 1999, shall be made by electronic funds transfer.
(2)
(A) The Secretary of the Treasury may waive application of this subsection to payments—
(i) for individuals or classes of individuals for whom compliance imposes a hardship;
(ii) for classifications or types of checks; or
(iii) in other circumstances as may be necessary.
(B) The Secretary of the Treasury shall make determinations under subparagraph (A) based on standards developed by the Secretary.
**(g)** Each recipient of Federal payments required to be made by electronic funds transfer shall—
(1) designate 1 or more financial institutions or other authorized agents to which such payments shall be made; and
(2) provide to the Federal agency that makes or authorizes the payments information necessary for the recipient to receive electronic funds transfer payments through each institution or agent designated under paragraph (1).
**(h)** The crediting of the amount of a payment to the appropriate account on the books of a financial institution or other authorized payment agent designated by a payment recipient under this section shall constitute a full acquittance to the United States for the amount of the payment.
**(i)**
(1) The Secretary of the Treasury may prescribe regulations that the Secretary considers necessary to carry out this section.
(2) Regulations under this subsection shall ensure that individuals required under subsection (g) to have an account at a financial institution because of the application of subsection (f)(1)—
(A) will have access to such an account at a reasonable cost; and
(B) are given the same consumer protections with respect to the account as other account holders at the same financial institution.
**(j)** For purposes of this section—
(1) The term “electronic funds transfer” means any transfer of funds, other than a transaction originated by cash, check, or similar paper instrument, that is initiated through an electronic terminal, telephone, computer, or magnetic tape, for the purpose of ordering, instructing, or authorizing a financial institution to debit or credit an account. The term includes Automated Clearing House transfers, Fed Wire transfers, transfers made at automatic teller machines, and point-of-sale terminals.
(2) The term “Federal agency” means—
(A) an agency (as defined in [section 101 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title31-section101&num=0&edition=prelim)); and
(B) a Government corporation (as defined in [section 103 of title 5](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title5-section103&num=0&edition=prelim)).
(3) The term “Federal payments” includes—
(A) Federal wage, salary, and retirement payments;
(B) vendor and expense reimbursement payments; and
(C) benefit payments.
Such term shall not include any payment under the Internal Revenue Code of 1986.
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Federal law — U.S. Code and appendices · legal_authorities
For the purpose of this title, “Executive agency” means an Executive department, a Government corporation, and an independent establishment.
Source: Supplied U.S. Code snapshot — release unconfirmed · 5 U.S.C. § 105
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Federal law — U.S. Code and appendices · legal_authorities
With respect to any Federal payment of funds covered by [section 3332(f) of title 31](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title31-section3332/f&num=0&edition=prelim) (relating to electronic funds transfers) for which payment is made or authorized by the Department of Defense, the waiver authority provided in paragraph (2)(A)(i) of that section shall be exercised by the Secretary of Defense. The Secretary of Defense shall carry out the authority provided under the preceding sentence in consultation with the Secretary of the Treasury.
Source: Supplied U.S. Code snapshot — release unconfirmed · 10 U.S.C. § 2786
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Federal law — U.S. Code and appendices · legal_authorities
In this title, “agency” means a department, agency, or instrumentality of the United States Government.
Source: Supplied U.S. Code snapshot — release unconfirmed · 31 U.S.C. § 101
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Federal law — U.S. Code and appendices · legal_authorities
For the purpose of this title—
(1) “Government corporation” means a corporation owned or controlled by the Government of the United States; and
(2) “Government controlled corporation” does not include a corporation owned by the Government of the United States.
Source: Supplied U.S. Code snapshot — release unconfirmed · 5 U.S.C. § 103
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Federal law — U.S. Code and appendices · legal_authorities
**(a)**
(1) A member of the armed forces (or a former member of the armed forces entitled to retired pay under chapter 1223 of this title) who, in accordance with law or regulation, participates in a program for the automatic deposit of pay to a financial institution may be reimbursed by the Secretary concerned for a covered late-deposit charge.
(2) A covered late-deposit charge for purposes of paragraph (1) is a charge (including an overdraft charge or a minimum balance or average balance charge) that is levied by a financial institution and that results from an administrative or mechanical error on the part of the Government that causes the pay of the person concerned to be deposited late or in an incorrect manner or amount.
**(b)** Reimbursements under this section shall be made from appropriations available for the pay and allowances of members of the armed force concerned.
**(c)** The Secretaries concerned shall prescribe regulations to carry out this section, including regulations for the manner in which reimbursement under this section is to be made.
**(d)** In this section:
(1) The term “financial institution” means a bank, savings and loan association, or similar institution or a credit union chartered by the United States or a State.
(2) The term “pay” includes (A) retired pay, and (B) allowances.
Source: Supplied U.S. Code snapshot — release unconfirmed · 10 U.S.C. § 1053
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Federal law — U.S. Code and appendices · legal_authorities
### Statutory Notes
Section, Pub. L. 92–136, § 4, Oct. 11, 1971, 85 Stat. 377, authorized and directed Secretary of Senate, if requested by an individual paid by Secretary, to pay compensation by sending a check to a financial organization designated by the individual. See [section 3332 of Title 31](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title31-section3332&num=0&edition=prelim), Money and Finance.
Source: Supplied U.S. Code snapshot — release unconfirmed · 2 U.S.C. § 60c–2
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Federal law — U.S. Code and appendices · legal_authorities
**(a) In general** In the case of an eligible individual, there shall be allowed as a credit against the tax imposed by subtitle A for the first taxable year beginning in 2020 an amount equal to the sum of—
(1) $1,200 ($2,400 in the case of eligible individuals filing a joint return), plus
(2) an amount equal to the product of $500 multiplied by the number of qualifying children (within the meaning of section 24(c)) of the taxpayer.
**(b) Treatment of credit** The credit allowed by subsection (a) shall be treated as allowed by subpart C of part IV of subchapter A of chapter 1.
**(c) Limitation based on adjusted gross income** The amount of the credit allowed by subsection (a) (determined without regard to this subsection and subsection (e)) shall be reduced (but not below zero) by 5 percent of so much of the taxpayer’s adjusted gross income as exceeds—
(1) $150,000 in the case of a joint return or a surviving spouse (as defined in section 2(a)),
(2) $112,500 in the case of a head of household, and
(3) $75,000 in the case of a taxpayer not described in paragraph (1) or (2).
**(d) Eligible individual** For purposes of this section, the term “eligible individual” means any individual other than—
(1) any nonresident alien individual,
(2) any individual with respect to whom a deduction under section 151 is allowable to another taxpayer for a taxable year beginning in the calendar year in which the individual’s taxable year begins, and
(3) an estate or trust.
**(e) Coordination with advance refunds of credit**
(1) **In general** — The amount of credit which would (but for this paragraph) be allowable under this section shall be reduced (but not below zero) by the aggregate refunds and credits made or allowed to the taxpayer under subsection (f). Any failure to so
Source: Supplied U.S. Code snapshot — release unconfirmed · 26 U.S.C. § 6428
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Federal law — U.S. Code and appendices · legal_authorities
**(a) In general** In addition to the credit allowed under section 6428, in the case of an eligible individual, there shall be allowed as a credit against the tax imposed by subtitle A for the first taxable year beginning in 2020 an amount equal to the sum of—
(1) $600 ($1,200 in the case of eligible individuals filing a joint return), plus
(2) an amount equal to the product of $600 multiplied by the number of qualifying children (within the meaning of section 24(c)) of the taxpayer.
**(b) Treatment of credit** The credit allowed by subsection (a) shall be treated as allowed by subpart C of part IV of subchapter A of chapter 1.
**(c) Limitation based on adjusted gross income** The amount of the credit allowed by subsection (a) (determined without regard to this subsection and subsection (e)) shall be reduced (but not below zero) by 5 percent of so much of the taxpayer’s adjusted gross income as exceeds—
(1) $150,000 in the case of a joint return or a surviving spouse (as defined in section 2(a)),
(2) $112,500 in the case of a head of household (as defined in section 2(b)), and
(3) $75,000 in the case of a taxpayer not described in paragraph (1) or (2).
**(d) Eligible individual** For purposes of this section, the term “eligible individual” means any individual other than—
(1) any nonresident alien individual,
(2) any individual with respect to whom a deduction under section 151 is allowable to another taxpayer for a taxable year beginning in the calendar year in which the individual’s taxable year begins, and
(3) an estate or trust.
**(e) Coordination with advance refunds of credit**
(1) **In general** — The amount of the credit which would (but for this paragraph) be allowable under this section shall be reduced (but not below zero) by the aggregate refund
Source: Supplied U.S. Code snapshot — release unconfirmed · 26 U.S.C. § 6428A
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Federal law — U.S. Code and appendices · legal_authorities
Page 248
TITLE 31—MONEY AND FINANCE
§ 3332
authority, or discretion’’ for consistency in the revised
title and with other titles of the United States Code.
The words ‘‘in whole or in part’’ are omitted as surplus.
The words ‘‘to such individuals as he may designate
within the Treasury Department’’ are omitted because
of 31:321(b)(2). The word ‘‘agency’’ is coextensive with
and substituted for ‘‘other department or agency of the
Government or of any Federal Reserve bank’’ because
of 31:101. The words ‘‘terms and conditions’’ are omit-
ted as surplus.
Editorial Notes
AMENDMENTS
1996—Subsec. (b). Pub. L. 104–134, § 31001(x)(2)(A), sub-
stituted ‘‘subsection (c) or (f)’’ for ‘‘subsection (c)’’.
Subsecs. (f), (g). Pub. L. 104–134, § 31001(x)(2)(B), (C),
added subsec. (f) and redesignated former subsec. (f) as
(g).
1983—Subsec. (f). Pub. L. 97–452 added subsec. (f).
Statutory Notes and Related Subsidiaries
EFFECTIVE DATE OF 1983 AMENDMENT
Pub. L. 97–452, § 2(i), Jan. 12, 1983, 96 Stat. 2479, pro-
vided that: ‘‘The amendments made by section 1(11),
(14), (19), (22), (24), (26), and (27) [amending this section
and sections 3702, 5103, 5154, 6501, 9101, 9107, and 9108 of
this title] are effective as of September 13, 1982.’’
§ 3332. Required direct deposit
(a)(1) Notwithstanding any other provision of
law, all Federal wage, salary, and retirement
payments shall be paid to recipients of such pay-
ments by electronic funds transfer, unless an-
other method has been determined by the Sec-
retary of the Treasury to be appropriate.
(2) Each recipient of Federal wage, salary, or
retirement payments shall designate one or
more financial institutions or other authorized
payment agents and provide the payment certi-
fying or authorizing agency information nec-
es
Source: Supplied 2024 U.S. Code historical extraction · 31 U.S.C. § 3332
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