Direct deposit is a way to get money sent directly into a bank account electronically, instead of receiving a paper check. When an employer, government, or other payer sends money like a paycheck or tax refund, the funds are transferred through an electronic network called the Automated Clearing House (ACH) and deposited straight into the recipient's bank account. This method is faster, safer, and more convenient since the money is available immediately on the payment day without needing to go to the bank to deposit a check.