Direct Deposit (Electric Fund Transfer) is used to create and maintain individual EFT distributions for Direct Deposit active employees. Direct Deposit allows you to produce a file for the electronic transfer of payroll funds rather then physical check forms. This feature was developed from information received from the National Automated Clearing House Association (NACHA). The file created is in accordance with the NACHA file guidelines. FundWare provides detailed instructions for setup and processing Direct Deposits.