Early Direct Deposit

Get Paid Sooner with Early Direct Deposit from USSFCU!

When your paycheck is directly deposited into your USSFCU account, your funds become available immediately instead of waiting until the day they are scheduled to post. That’s often two days earlier than most traditional banks or credit unions!¹

Early Direct Deposit is available for members that set up direct deposit with their employer or other payer to receive electronic deposits of regular periodic payments (such as salary, pension, or government benefits).

The information you need to provide to your employer for direct deposit is:

• Our routing/transit number which is 254075250
• Your account number which can be found on your monthly statement or by signing in to your myUSSFCU account

Many employers offer their own direct deposit forms. If not, you can submit our direct deposit form directly to your employer.

It could take a few weeks for the direct deposit to go into effect. Monitor your account regularly so you’ll know when automatic deposits start appearing.

Deposit Wisely—Save More: You can choose to deposit 100% of your check into one account, or you can spread the amount across multiple accounts. For example, you could designate 20% of your paycheck or benefit check to go into a high-yield savings account. The remaining 80% could go into your checking account, where it would be available to pay monthly bills and everyday expenses.

How Does Early Direct Deposit work?

When your employer processes payroll, they submit files to the Federal Reserve, notifying them how much each employee will be paid that week. The Federal Reserve sends that information to us daily to inform us how much and when you’ll be paid. Instead of waiting until your payday to deposit the funds, we make that money available to you as soon as we receive the notification. For many members, we receive a notification on Wednesday for a Friday payday (which means your paycheck is available two days sooner).

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¹Electronic deposits are available up to four business days early, depending on the timing of receipt into our Automatic Clearing House (ACH) database. Member must be enrolled in direct deposit through their employer. ²Employer terms and conditions may apply.