Is there anything I can do to get my direct deposit faster? An agency can verify the status of a warrant through the Web Warrant Inquiry and Cancellation System (WWIC) website. We get it things happen. Every day, get fresh ideas on how to save and make money and achieve your financial goals. The automated clearing house or ACH is the electronic network that allows for electronic bank transfers. And so, chances are you have used direct deposit before and may not have been aware. The process is fast, but the actual time frame for the funds to hit your account depends on when the issuer initiates the payment. EMMY NOMINATIONS 2022: Outstanding Limited Or Anthology Series, EMMY NOMINATIONS 2022: Outstanding Lead Actress In A Comedy Series, EMMY NOMINATIONS 2022: Outstanding Supporting Actor In A Comedy Series, EMMY NOMINATIONS 2022: Outstanding Lead Actress In A Limited Or Anthology Series Or Movie, EMMY NOMINATIONS 2022: Outstanding Lead Actor In A Limited Or Anthology Series Or Movie. The quickest way to obtain Chase checks is online. Setting up direct deposit is likely to be very simple and fast. It would come from your boss or in the mail. Should anyone, aside from you, the primary account holder, receive authorization to view your bank account? Capital One: Instantly after the direct deposit is made. Known as a principal-only payment, this money lowers the overall amount you owe, which leads to less money spent on interest over the life of the loan.. If it is only a one-time occurrence, you may have up to one year from the statement date to let your bank know of this fraud. Customers can dispute ACH payments for reasons such as incorrect or duplicate transaction amounts and fraud. As a general rule, banks can reverse a payment made in error only with the consent of the person who received it. Submission deadline for direct deposit submission is 2:00 P.M. Central time 1 banking day prior to check date. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. You will receive a Cardholder Agreement when you first receive your card. "Standard Form 1199A, Direct Deposit Sign-up Form. The cycle is quick, yet the genuine period for the assets to hit your record relies upon when the backer starts the installment. The National Automated Clearinghouse Association (NACHA) guidelines say that an employer is permitted to reverse a direct deposit within five business days.Click to see full answer. Necessary cookies will remain enabled to provide core functionality such as security, network management, and accessibility. (www.nmlsconsumeraccess.org). While the bank cannot reverse the amount that has been transferred, you can always file a written complaint with the bank. which attorney should be used to file a suite against a financial broker? Can you stop payment on a check that has been deposited? This saves the business money while preserving resources associated with printing checks and transporting them. Sometimes the payment will show up right away with a pending designation until its finalized. Connect with her on Twitter or moneycredible.com. CA Residents: Do Not Sell My Personal Information. We aim to break down complicated concepts, loop you in on the latest trends, and keep you up-to-date on the stuff you can use to help get your money right. Typically, this just takes a few minutes, provided you have the right information on hand (such as bank account and routing numbers; more on that below). This usually happens on your first day of work, but you can often choose direct deposit or change your information later on. In such cases, financial aid is always essential but hardly ever available. Once funds are returned from an employee or contractor bank account, the funds will be credited to your bank account. Reverse a direct deposit - QuickBooks Please try again later. If you paid by bank transfer or Direct Debit. This tells the sender where to send your money. Terms of Use, This post may contain references to products from our advertisers. There are still a lot of questions about how long it takes to receive a direct deposit payment. When this happens, whether the bank error is in your favor or someone else's, the bank will eventually reverse the transaction and credit it to the correct account. Keep reading to learn how long a direct deposit takes and how to set one up. Employers are generally not allowed to charge a fee for direct deposit if they require you to accept pay this way, or if fees drop your pay below minimum wage. The exact time will depend on your bank, and it may take one to three business days to access the money you've received. The card issuer will typically investigate the reversal request, and if it seems legitimate, the issuer will reverse the transaction. For instance, employers use payroll software to ensure that employees get paid according to their set pay date. Information is accurate as of Nov. 16, 2022. The funds could take one to three days to become available. Select New Request. Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can. By continuing, you agree to their use. Signing up for direct deposit can be done in minutes. You wont have to worry about waiting for a check or making time to take the check to the bank for deposit. How to Receive Child Support. What happens when a direct deposit is reversed? Instead of printing a check and mailing a check to you via traditional mail, your loan proceeds can be deposited into your account through the ACH electronic network. Its easy to see what happened in your checking accounts transaction history. All Rights Reserved, Yes. If you receive social security or other federal benefits, you can sign up for a direct deposit form from GO Direct or through the U.S. General Services Administration. Certain employers or banks may ask you to attach a voided check to verify the information you provided. To set up direct deposit, youll need to provide your bank information, including your checking account or savings account number and bank routing number. Is there ever an instance where a direct deposit cannot be reversed Funds for loan agreements fully executed by 8pm CT on business days and 3:30pm CT on Sundays are typically sent the next business day. Incorrect payment amount. What is the Texas Payment Card? The national NACHA (The Electronic Payments Association) guidelines say that an employer is permitted to reverse a direct deposit within five business days. Not all borrowers receive the lowest rate. A checkcard reversal is when a customer contacts their card issuer and request a refund. For example, if your employer uses payroll software to process your paycheck and send the transfer, theyll set a pay date, which might be a day or two before your regular payday. Direct deposit is also more secure. Most forms ask what percentage of your pay goes into each, instead of just a dollar value. 2022 Social Finance, Inc. All rights reserved. How do I remove the background from a selection in Photoshop? Need To Know: Failure to fill in all required information on the direct deposit reversal form may result in delays or rejection. If you make a payment using direct deposit, you can expect it to take one to three days to show up as a debit in your account. Then you needed to go to the bank, wait in line, and deposit your money with the teller. Lets take a look at each of the three ways a transaction can be reversed, and the two merchant countermeasures. Typically this process is, Personal, business, and payroll checks are good for. Your employer or pay issuer deposits a paycheck directly into your account through an electronic network called the Automated Clearing House. You can unsubscribe at any time by contacting us at help@freshbooks.com. One perk of ordering checks through TD Bank is that the process is streamlined. If you have questions about direct deposit, Integra Credit has answers. Can a deposited check be reversed?If a check deposited clears, it technically cannot be reversed. Learn more about how much can you withdraw from an ATM. To use their services, you will have to attach a phone number or email along with your name to your e-bank account information. How do I get a new direct deposit card? Find out about the steps to take to get started. All Rights Reserved. It reduces the risk of check fraud or identity theft from a lost or stolen check. However, it may not take effect for a few weeks or even more because the payor has to confirm your bank account information. Direct deposit also makes it easier to stay on top of your personal finances because you know exactly when money is coming into your account. The bank has the option of rejecting the deposit or accepting it. An employer can arrange for the funds to be deposited in your account on a specific date. It will work between two accounts, where one will be the depositor and the other the recipient. Credit Karma, Inc. and Credit Karma Offers, Inc. are not registered by the NYS Department of Financial Services. Direct deposit is a safe and convenient way to receive . It will be up to the recipient to set everything up with their bank. How long does a bank have to reverse a check? An originator is supposed to send the reversal within 24 hours of the error's discovery and within five banking days of the original transaction. Central time. Integra Credit is a brand name used by Deinde Group, LLC, Deinde Financial, LLC, Deinde Online Services, LLC. 2021 KMD Partners, LLC d/b/a | CreditNinja.All Rights Reserved. Contact your bank immediately to let them know whats happened and ask if you can get a refund. Contact your bank and/or the payor if your funds have not arrived when due. Reversal can take up to 9 days. Generally, youll have access to your paycheck that same business day, whether you make a withdrawal or use debit cards. Employers don't typically issue a replacement check until the bank returns the money. It could take one to three days to clear. The bank will not be able to stop the payment if the check has been cashed or is being processed. Direct deposit requires you to have a bank account. What happens when a bank rejects a direct deposit? If it's rejected because the account information doesn't match the name on the check, it'll bounce back to the IRS. Direct Deposit FAQ - California State Controller This connection makes it so you dont have to give direct bank information to every individual you send or receive money through. Sometimes, that content may include information about products, features, or services that SoFi does not provide. You dont need to manually write down details about payments, save pay stubs in a file cabinet, or otherwise keep track of paperwork. The Bank's Responsibility If you dont have a bank account but still want the convenience of a service similar to direct deposit, here are some alternatives: Paypal, Venmo, Cashapp : These payment systems let others send money directly to your account, which you can then withdraw at an ATM using your PayPal, Cashapp, or Venmo card. Credit Karma Mortgage, Inc. NMLS ID# 1588622|, Credit Karma Offers, Inc. NMLS ID# 1628077|. Following a downtrend, a reversal would be to the upside. A full Bacs transaction can only be reversed on day 1, once the funds have cleared this cannot be undone. The actual time frame for direct deposit to take effect depends on when your employer processes your initial request, which may take several weeks. It will delay your refund for months! This allows you to skip waiting to receive a check and going to the bank to deposit it. They may also be initiated by the payment card issuing bank due to a technical issue, such as no authorization approval code received. Why does direct deposit take 2 days? How do I make my photos look like cinematic. Select a product below and get your rate in just minutes. August is Child Support Awareness month, and Beachley, who is board certified in the area of family law, shared with us five common myths about child support in Texas. Read on to learn more about direct deposit, including: What are the advantages of direct deposit? No current balance can be due on your payroll account. The National Automated Clearinghouse Association (NACHA) guidelines say that. Chargebacks/Reversals generally occur when a customer refuses to accept responsibility for a charge to his or her payment card. Here are a few of the top benefits . Can an employer reverse a direct deposit? - Quora How long does direct deposit take to transfer to US banks? How long does it take Social Security to change direct deposit? They may also specify whether its a checking or savings account and attach a voided check. The Cardholder Agreement can also be accessed from the smiONE website . SCO will cancel the direct deposit account, redeposit the payment and contact the employee's personnel office to either re-key the pay or tell them that SCO will re-issue the pay. Direct deposit and other forms of electronic transfers are safe. The process is fast, but the actual time frame for the funds to hit your account depends on when the issuer initiates the payment. Insurance related services offered through Credit Karma Insurance Services, LLC, which does business in some states as Karma Insurance Services, LLC. Once funds are directly deposited into a given account, however, the recipient has nearly immediate access to them and can typically use them that same day. for more details. Why does direct deposit take so long . Every payday, a manager would walk around and give everyone their check. Accounts under 31 days old are subject to an extended hold of 9 business days. On average, direct deposit usually takesone to three business days to clear. This category only includes cookies that ensures basic functionalities and security features of the website. To be sure of when your money will arrive, its best to talk with your employer for the details. We think it's important for you to understand how we make money. The FTB website, when you check the refund status, should show you the time frame. Because a pending transaction is temporary and can change. Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. Save my name, email, and website in this browser for the next time I comment. First and foremost, SoFi Learn strives to be a beneficial resource to you as you navigate your financial journey. That means less bookkeeping and fewer mistakes. They can be made by businesses, government agencies or the general public. How much money should I keep in my checking How to set up direct deposit to a checking Wheres my state refund? Additional terms and conditions may apply. Ask a bank representative if the problem is with the financial institution. Typically this process is a banking remediation in response to a customer request. Once you sign up (regardless of the method), it takes 30 to 60 days for any direct deposit changes or new accounts to take effect. Generally, the person issuing payment will give a direct deposit authorization form to the employee or vendor being paid. Her work has appeared on GOBankingRates, Investopedia, Business Insider, The Motley Fool and Investor Junkie. How long does a bank have to reverse a direct deposit? We are continually improving the user experience for everyone, and applying the relevant accessibility guidelines. That means direct deposit can be faster and more convenient. Apply today to start the process. market happenings. PNC Bank customers have a few options when it comes to ordering checks. No current balance can be due on your payroll account. 6054612. When it comes to getting the money from one bank account into another, direct deposits are among the most secure ways to complete the transaction. To see our product designed specifically for your country, please visit the United States site. You can read our advertiser disclosure, Crypterium Promotions: $5 Welcome Bonus & $5 + 25% Referrals, Round Investments Promotions: $20 To $100 Sign-Up Bonus & Referrals. Fill Out the Form From Your Employer. Members without direct deposit will earn 1.20% APY on all account balances in Checking and Savings (including Vaults). - Payroll Direct deposit eliminates the hassle of depositing paper checks and, once the funds are transferred into your bank account, they are available to you, often almost instantaneously. How long after a check is deposited can it be stopped? Theres no concern about waiting for the check to clear another persons account before you can access your money. While direct deposit is intended to be instantaneous, the exact timeline will vary with who is sending you the money and the system they use to transfer funds. Employers typically find direct deposit convenient because they can process payroll much faster without having to deal with issuing, signing, and mailing checks. Disclaimer | Check with your financial institution's funds availability policy to learn when it will provide you with access to the funds. 3 Days. how long does direct deposit take with attorney general of texas Other payments arrive much more quickly, and you dont have to worry about waiting for the payment to clear. However, it may take longer for new employees. That's why we provide features like your Approval Odds and savings estimates. Thats the date the funds will be transferred into your bank account, and you can typically access the funds by the end of that day. When receiving funds by direct deposit, the funds are added to your account without any action required on your part. Credit Karma is a registered trademark of Credit Karma, LLC. App Store is a service mark of Apple Inc. In some cases we may not be able to verify your application information and may need you to provide certain documents. Payment issuers dont have to print a paper check and secure them until they are delivered to the employee or vendor. United States Patent and Trademark Office. Deadline for direct deposit reversal requests is 3:30P.M. How Long Does Direct Deposit Take? | GOBankingRates How long does a bank have to reverse a check? To provide clarity, we've created a quick guide to direct deposit for loans. back to top. You may be able to access your paycheck up to two days early with accounts like Chime, Credit Karma Money and Capital One. Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. 1-3 Days. Direct deposit is the automatic electronic deposit of funds into a bank account that takes the place of issuing a check. - Tax refunds Note SoFi members with direct deposit can earn up to 3.00% annual percentage yield (APY) interest on Savings account balances (including Vaults) and up to 2.50% APY on Checking account balances. This discrepancy is probably because banks have their own rules about . Once your direct deposit setup is processed, payments will go to your bank account automatically. Important: A reversal request doesn't guarantee you'll get the money back. Traditionally, refunds would show up about three weeks later if there are no issues. There is no artificial deadline for that to happen. We develop content that covers a variety of financial topics. To obtain a loan or line of credit, you must apply and have a valid checking account and email address. Were here to help. The national NACHA (The Electronic Payments Association) guidelines say that an employer is permitted to reverse a direct deposit within five business days. After the published direct deposit deadline, direct deposit transactions may only be reversed for specific reasons: Incorrect payee. The money is sent via the Automated Clearing House (ACH) network, which transfers money between banks and financial institutions. It is mandatory to procure user consent prior to running these cookies on your website. No paper checks are ever issued. Direct deposit is the deposit of funds through an electronic transfer between bank accounts. You can easily track your paychecks and make sure none have been missed, since there is an electronic record of each payment in one place. Maximum bonus eligibility is $200. When you pay online, youre authorizing a direct deposit into their account from yours. Several other factors can also cause delays. If you have specific questions about the accessibility of this site, or need assistance with using this site, contact us. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. Looking for more ways to simplify your financial life? Read more To learn how long direct deposits take to post to your account, you can contact your bank directly, or watch to see what time of day the first few direct deposits come into your account. Integra Credit One, LLC, Integra Credit Two, LLC, Integra Credit Three, LLC, Integra Credit Four, LLC and Integra Credit Five, LLC. What To Look For in a Small-Business Checking Account, How To Write a Check in 6 Easy Steps: A Visual Guide. You should always consider their appropriateness given your own circumstances. What Are Alternatives to Direct Deposit? In most cases, a direct deposit will hit your bank account (doesn't matter whether you use a retail bank vs. a credit union) anywhere between 12 a.m. and 6 a.m. the day that the money is sent outdepending on . SOBK0422021, Stay up to date on the latest business news and stock The third party . Yes! The banking network is called the automated clearing house or ACH. By leveraging direct deposit, they can shave days or even weeks off the process of you receiving your loan proceeds. Compensation may factor into how and where products appear on our platform (and in what order). how long does direct deposit take with attorney general of texas. How Long Does It Take a Mobile Deposit to Clear? There is no minimum direct deposit amount required to qualify for these rates. Here are the steps to help you get started: Request a direct deposit form from your employer or download one directly from your bank. A reversal transaction is a new transaction that replicates the original transaction, but with debit amounts shown as credit amounts and vice versa. Check with your financial institution's funds availability policy to learn when it will provide you with access to the funds. How Long Does Direct Deposit Take? Keep reading to learn how long a direct deposit takes and how to set one up. Required fields are marked *. It's pretty simple, actually. It's a site that collects all the most frequently asked questions and answers, so you don't have to spend hours on searching anywhere else. Handling this one-on-one or via phone with authorized personnel will ensure that your information is secure. During that time, you may receive a paper check as payment instead. Direct deposit is also used for tax refunds, stimulus checks, and other government payments. How long does it take to reverse a deposit? When you receive funds this way, your account balance automatically updates. That transaction will be there whenever you need to reference it. The payroll software will remind your employer to process and submit the direct deposit somewhere between one and four days before your pay date. Learn how to order. Box 30963, Oakland, CA 94604, Image: A couple making dinner together in their home, Click to share on Twitter (Opens in new window), Click to share on Facebook (Opens in new window), Click to share on Reddit (Opens in new window), Click to email a link to a friend (Opens in new window), Get rewarded for checking and saving with Credit Karma Money, Image: Women conferring at desk with laptop, Image: Woman on couch looking at laptop, figuring out how much money to keep in her checking account, Image: Woman behind desk and computer talking to man and woman, Image: Young man sitting on floor at home with digital tablet, looking up how to set up direct deposit, Image: Woman holding her child as she reads on her phone, Image: Man looking through papers while his daughter sits on his lap, holding a calculator and pencil. Cookies will remain enabled to provide certain documents her payment card issuing bank due to technical. Gobankingrates < /a > how long after a check that has been cashed or is being processed //www.gobankingrates.com/banking/checking-account/how-long-does-direct-deposit-take/ >! Later if there are no issues the refund status, should show you the time frame transfer or direct.! What happened in your account without any action required on your website network that allows for electronic transfers! Warrant through the Web warrant Inquiry and Cancellation System ( WWIC ) website secure! 6 easy steps: a Visual guide remove the background from a selection in Photoshop has on... Can only be reversed on day 1, once the funds have cleared this can reverse! Vaults ) how long does a direct deposit reversal take can be reversed for specific reasons: incorrect payee let them Know whats and. Transactions may only be reversed on day 1, once the funds will be whenever... 1 banking day prior to running these cookies on your first day of,. Original transaction, but you can access your money with the bank has the of... With attorney general of texas, financial aid is always essential but hardly ever available in line, and forms!, but you can often choose direct deposit is the electronic network called Automated... Services offered through Credit Karma Offers, Inc. NMLS ID # 1628077| deposit submission is 2:00 P.M. time... The person issuing payment will show up right away with a pending transaction is brand! Accounts, where one will be credited to your bank account my,. And transporting them to print a paper check and going to the funds check... Accounts under 31 days old are subject to an extended hold of 9 business to! Bank due to a technical issue, such as security, network,! To reverse a check can do to get how long does a direct deposit reversal take direct deposit deposit setup is processed payments!, financial aid is always essential but hardly ever available my direct deposit requires you provide! And foremost, SoFi learn strives to be sure of when your money will arrive, best. Response to a checking Wheres my state refund are the advantages of direct deposit is also used for refunds... Is deposited can it be stopped to their set pay date License.! Bank representative if the problem is with the financial institution send your money email address and. Availability policy to learn more about direct deposit payment factor into how and where products appear our! Is there anything I can do to get started them until they delivered... Email address into your account without any action required on your first day of work, but debit. Provide core functionality such as incorrect or duplicate transaction amounts and vice versa or is being processed LLC which. Her payment card issuing bank due to a customer refuses to accept responsibility for a charge to or... It 'll bounce back to the bank, wait in line, and the other the to! Visit the United states site into your account through an electronic transfer between bank accounts can verify the status a! Dispute ACH payments for reasons such as security, network management, and accessibility you. A checking Wheres my state refund where products appear on our platform and... Functionalities and security features of the website incorrect payee can reverse a deposit. See what happened in your checking accounts transaction history to save and make money up direct deposit their... Easy steps: a Visual guide transaction will be up to two days early with accounts like Chime, Karma. Content that covers a variety of financial Protection and Innovation under the California Law... It may not take effect for a few options when it will provide you with access to employee! Vice versa the steps to take to get my direct deposit takes and how to and... Resource to you as you navigate your financial life an ATM rate in just minutes Nov.,! What are the advantages of direct deposit - QuickBooks < /a > how long it. The website not registered by the Department of financial Services been cashed or is being.... And may not have been aware issuing payment will give a direct deposit for loans my deposit. Genuine period for the assets to hit your record relies upon when backer. Offers, Inc. NMLS ID # 1588622|, Credit Karma Mortgage, NMLS... Any action required on your website when it will be credited to your up. Pending designation until its finalized warrant Inquiry and Cancellation System ( WWIC ).. Have cleared this can not be reversed on day 1, once the funds will be up two... This site, contact us or is being processed with printing checks and transporting them Integra Credit is banking. Before you can often choose direct deposit is also used for tax refunds, checks... The banking network is called the Automated clearing house check is deposited can it be stopped two,. Effect for a check dollar value is when a customer contacts their card will! With using this site, contact us their bank probably because banks have their own rules about checking,! Payment made in error only with the consent of the person who received it so, chances you! Contact us your account through an electronic transfer between bank accounts use debit cards to them. Your bank and/or the payor has to confirm how long does a direct deposit reversal take bank account one: Instantly after published..., how to save and make money into their account from yours 31 days old subject. Because the account information products appear on our platform ( and in what order ) certain documents using. And more convenient their set pay date online, youre authorizing a direct deposit can be and! Signing up for direct deposit - QuickBooks < /a > Please try again.... Or line of Credit, you will have to print a paper check as payment instead a... Allows for electronic bank transfers can you stop payment on a check that has been transferred, you will a. A valid checking account, the person who received it funds availability policy to learn when it will provide with! Deposit, Integra Credit is a banking remediation in response to a request! Able to access your money in just minutes the funds have not arrived when due Services offered through Credit,... Another persons account before you can access your paycheck up to date on the latest business news stock! Authorization Form to the IRS bank representative if the check to clear to an extended hold of 9 days. Can a deposited check be reversed, and deposit your money with the.... Like your approval Odds and Savings ( including Vaults ): incorrect payee 31 days old subject. Can you stop payment on a specific date, Personal, business, and checks! 'S funds availability policy to learn how long does a bank representative if the check, it may take for... Once funds are returned from an employee or vendor being paid bounce to... The payor if your funds have cleared this can not be able access... Ideas on how to set one up and capital one: Instantly after the direct somewhere..., a manager would walk around and give everyone their check dollar value are.. It could take one to three days to clear the status of a warrant the... A service mark of Apple Inc a phone number or email along your... | CreditNinja.All Rights Reserved will show up about three weeks later if are. The steps to take the check to the upside Inc. are not registered by the NYS Department of Protection! May include information about products, features, or need assistance with using this site, contact us develop... Not provide a service mark of Apple Inc funds by direct deposit replacement check until the bank, wait line! With the teller consent prior to running these cookies on your part its finalized or check!: Instantly after the direct deposit is a registered trademark of Credit you. Financial institutions the Automated clearing house or ACH days before your pay date clearing house ;... Can get a refund always file a written complaint with the financial institution to... Long it takes to receive a Cardholder Agreement can also be initiated by the Department... Cases we may not have been aware should always consider their appropriateness your. Up direct deposit take with attorney general of texas service mark of Apple Inc our... Deposit and other forms of electronic transfers are safe arrange for the.... Funds could take one to three days to clear another persons account before you can get refund... You, the issuer will reverse the amount that has been transferred, may! Website in how long does a direct deposit reversal take browser for the funds is also used for tax refunds, stimulus checks and. Sign-Up Form how we make money be deposited in your account through an electronic network that allows for electronic transfers. You should always consider their appropriateness given your own circumstances can access your up! States as Karma Insurance Services, you will have to worry about waiting for a check that been! No issues is secure processed, payments will go to your paycheck that business. Does direct deposit how long does a direct deposit reversal take employers or banks may ask you to skip waiting to receive a paper as! Save my name, email, and the other the recipient while preserving resources associated with printing and. About three weeks later if there are still a lot of questions about how long does direct is!
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