Get paid faster with direct deposit
Say goodbye to paper checks and hello to instant-access to your money. Direct deposit is a quick and hassle-free way to get paid without lifting a finger. You'll receive access to your money the same day* we receive it.
The wait for your actual payday is over. Early access to your money is just one more way UCU gives our member-owners a financial advantage, with access to your paycheck or Social Security payment up to two days before the official pay date.
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Benefits of direct deposit
Get paid up to two days early* with direct deposit. Your employer sends the funds to us electronically, and we deposit them to your chosen UCU account immediately, allowing you the freedom to spend your hard-earned money when you want.
- No more waiting for payday to arrive
- No paper checks to deposit
- Get payroll and/or Social Security funds deposited monthly
- Deposit either your whole paycheck or a set dollar amount
- Set up regular withdrawals for vendors and merchants you often pay with direct deposit
- Use direct deposit to transfer funds between your UCU accounts
Direct deposit information
- Direct deposit form about Direct deposit form
Start by requesting a direct deposit form from your employer's HR department. If they don't have one, follow these simple steps.
- Download our direct deposit form.
- Complete it with the information required.
- Submit it to your employer.
You may also want to attach a voided check to the form. Instruct your employer to use all numbers listed for the account number, which should total 14 digits.
- Direct deposit in digital banking about Direct deposit in digital banking
You can use direct deposit to schedule regular deposits from one UCU account to another. To do this, please do the following:
- Log in to your account and click on 'Make a Transfer'.
- Under 'New Transfer,' select what share you want to transfer from and what share/loan suffix to transfer to.
- Select how much you would like to transfer or, if a loan is selected, how much you want to pay.
- Select when you would like to send the transfer. If an option other than 'Now' is selected, set your desired schedule.
- Review the transfer instructions and select 'Schedule' when ready.
- Direct Deposit for Vendor/Merchant Payments about Direct Deposit for Vendor/Merchant Payments
You can use direct deposit to set up regular payments to vendors or merchants for which you pay frequently. To do this, you'll need the following:
- UCU's Routing Number: 322079502
- ACH/MICR number: You can find your unique 14-digit account number within digital banking. To find it, select your desired share, click 'Details,' and then click the eye icon to display the full 14-digit MICR/ACH account number.
- Failure to follow directions and use all numbers as described above may result in a delay or error.
- If you have any questions or need help setting up direct deposit, please schedule a virtual appointment or call us at 800.UCU.4510.
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Need more information?
- How does using direct deposit work?
With direct deposit, your employer sends your paycheck electronically to University Credit Union. We typically get funds sooner than you receive a paper check and add it to your account immediately. To get started, fill out this form to give to your employer.
- What other benefits do I get from using direct deposit? Use direct deposit to set up regular withdrawals from a UCU checking or savings account for vendors or merchants you pay frequently. Alternatively, you can use Bill Pay for electronic payments with varying due dates or amounts.
- How do I set up direct deposit to a UCU account?
You can fill out this form and give it to your employer to have your paycheck deposited into your UCU account electronically. Alternatively, you can use direct deposit in digital banking to set up regular transfers between your UCU accounts.
- Where can I find the information required for direct deposit? You’ll need our routing number plus your full 14-digit account number, both of which can be found in digital banking. Make sure you include all the digits to ensure a successful deposit.
- Do I have to deposit my entire paycheck if I use direct deposit? You can choose to have your entire check or a specific dollar amount from each paycheck deposited into your UCU checking or savings account Just select the desired option on the fillable form you give your employer.
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Learn more about We’re with you 24/7 *Early access to direct deposit funds is dependent on the timing of the submission of the payment file from the payer. Generally, these funds are available on the day the payment file is received, which may be between two and six days earlier than the scheduled payment date.
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