Non-resident individuals, businesses and trusts. If you already have a Bill.Direct Deposit Authorization Form. TD Bank makes setting up direct deposit easy with this convenient, pre-filled form. The fastest way to enroll in Direct Deposit is through NYCAPS Employee Self-Service (ESS). CUNY offers Direct Deposit for students to receive their Financial Aid and Tuition refunds, including their Federal Work Study payments. Maintenance fees for customers without direct deposit or certain minimum balances. Long lines often meet customers at the few bank branches that remain. Charge if the customer has direct deposit or four debit card transactions per month or registers for online statements. IDB Bank is a full-service bank that provides commercial banking, private banking, and wealth management services in the United States and internationally.