Entering an incorrect routing number on a direct deposit form typically results in the electronic funds transfer being rejected or delayed by the banking system. When a receiving financial institution processes the transaction and discovers that the routing code does not match a valid account structure or title, the funds are usually bounced back to the originating employer or payroll provider within a few business days. This delay requires correcting the banking details with your human resources department, after which the funds are reissued, though you may experience temporary financial inconvenience while the correction processes.