---
updatedAt: 2026-04-08T21:24:30.000Z
agentTools:
  siteIndex: https://docs.gusto.com/llms.txt
  projectIndex: https://docs.gusto.com/embedded-payroll/llms.txt
---

# Bank accounts and direct deposit splits

## Attributes

| **Attribute**    | **Required?**                                                    | **Default** |
| :--------------- | :--------------------------------------------------------------- | :---------- |
| `account_type`   | Yes                                                              |             |
| `account_number` | Yes                                                              |             |
| `routing_number` | Yes                                                              |             |
| `type`           | Yes—must be `"Direct Deposit"`                                   |             |
| `split_by`       | Yes—must be either `"Amount"` (meaning: Cents) or `"Percentage"` |             |
| `split_amount`   | Yes                                                              |             |
| `name`           |                                                                  |             |

## Examples

See the following examples to explore different scenarios:

* [One bank account](#example-with-one-bank-account)
* [Multiple bank accounts and split by percentage](#example-with-multiple-bank-accounts-and-split-by-percentage)
* [Multiple bank accounts and split by amount in cents](#example-with-multiple-bank-accounts-and-split-by-amount-in-cents)

Check [here](https://docs.gusto.com/embedded-payroll/docs/create-people-batch#detailed-input--each-of-these-sections-is-optional) to see how this looks in the context of a full batch example.

### Example with one bank account

One bank account with 100% direct deposit.

```json
{
  "idempotency_key": "bcfc9744-0ab3-4ef3-ab0d-e728255d659c",
  "batch_action" : "create",
  "batch": [
    {
      "entity_type": "employee",

      "person": {
        "external_id": "employee-abc-123",
        "first_name": "Alice",
        "last_name": "Smith"
      },
      "bank_accounts": [
        {
          "account_type": "Checking",
          "account_number": "1234567890",
          "routing_number": "000234234223",
          "type": "Direct Deposit",
          "name": "Etrade Checking",
          "split_by": "Percentage",
          "split_amount": "100.0"
        }
      ]
    }
  ]
}
```

<br />

### Example with multiple bank accounts and split by percentage

Two bank accounts with percentage split between direct deposits.

Percentages have to add up to 100.0%

```json
{
  "idempotency_key": "bcfc9744-0ab3-4ef3-ab0d-e728255d659c",
  "batch_action" : "create",
  "batch": [
    {
      "entity_type": "employee",

      "person": {
        "external_id": "employee-abc-123",
        "first_name": "Alice",
        "last_name": "Smith"
      },
      "bank_accounts": [
        {
          "name": "Etrade Checking",
          "account_type": "Checking",
          "account_number": "1234567890",
          "routing_number": "000234234223",
          "type": "Direct Deposit",
          "split_by": "Percentage",
          "split_amount": "80.0"
        },
        {
          "name": "Etrade Savings",
          "account_type": "Savings",
          "account_number": "1234567890",
          "routing_number": "0987693293",
			    "type": "Direct Deposit",
          "split_by": "Percentage",
          "split_amount": "20.0"
        }
      ]
    }
  ]
}
```

### Example with multiple bank accounts and split by amount in cents

Two bank accounts with a split based on **amounts in Cents** between direct deposits.

The amount for the last account has to be given as `null` in order to receive the remainder.

```json
{
  "idempotency_key": "bcfc9744-0ab3-4ef3-ab0d-e728255d659c",
  "batch_action" : "create",
  "batch": [
    {
      "entity_type": "employee",

      "person": {
        "external_id": "employee-abc-123",
        "first_name": "Alice",
        "last_name": "Smith"
      },
      "bank_accounts": [
        {
          "name": "BofA Checking",
          "account_type": "Checking",
          "routing_number": "266905059",
          "account_number": "5809431207",
          "type": "Direct Deposit",
          "split_by": "Amount",
          "split_amount": "450000"
        },
        {
          "name": "Etrade Savings",
          "account_type": "Savings",
          "account_number": "1234567890",
          "routing_number": "0987654543",
          "type": "Direct Deposit",
          "split_by": "Amount",
          "split_amount": null
        }
      ]

    }
  ]
}
```

<br />