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Member Services

Direct Deposit & Payroll Deduction

Make payday a breeze with direct deposit. Send your paycheck or government benefit straight to your account without visiting a branch or cashing a paper check.

Get Paid Up To Two Days Early With A+FCU

Many employers, businesses, and government entities use direct deposit as their main way of paying employees or sending money to individuals. This convenient, hassle-free option sends a paycheck, deposit, or government benefit straight to a payee’s account of choice. And with A+FCU, you could even receive your paycheck up to two days early.*

Payroll deduction lets you set aside money from your paycheck into accounts of your choosing.

Set Up Direct Deposit & Payroll Deduction

Typically, to enroll in direct deposit or set up payroll deduction, you’ll need:

A+ Federal credit union check with routing number, account number, share ID, check number and sample member number displayed.

A+FCU Information

Your A+FCU Account Information

You will need your full, 13-digit A+FCU account number. Your 13-digit account number and share type can be found by logging in to A+ Online Banking. After logging in, click into specific share (such as checking) > Find MICR/Account Number (top right).

Your 13-digit account number will always begin with a 1, followed by a two-digit Share ID, and the final ten digits are leading zeros plus your member number. In the check example above, the 13-digit account number is 1120000123456, the two digit Share ID is 12, and the member number is 0000123456.

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Pre-Filled Form

For your convenience, A+FCU members can access a pre-filled direct deposit form from within A+ Online Banking or the A+ Mobile App.

After logging in, click Services > Direct Deposit Form. Fill in the requested information including the account to which you want to receive your funds.

On this form is an image of a sample check, your account information, and A+FCU’s mailing address and phone number. Submit this form to your employer, or carefully copy over the required information if they have their own form.

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Benefits Of Direct Deposit

There are many benefits to direct deposit with A+FCU. First, you could receive your paycheck a day early.* It’s also available at no cost and is less risky for payees.

Other benefits:

  • Avoids check cashing fees
  • Doesn’t require a trip to the credit union
  • Avoids potential check hold
  • Funds are immediately available on scheduled payday
  • May be able to split deposit amongst accounts
  • Can be used to establish automatic savings
  • Creates electronic records
  • More environmentally friendly

Another benefit of setting up direct deposit at A+FCU is eligibility for special product offers like the Holiday Line of Credit and the Loyalty Line of Credit. These non-traditional loans are based on eligibility requirements,§ such as having direct deposit for a period of time and being a member in good standing, instead of your credit report.

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ClickSWITCH®

Easily move your direct deposit and automatic payments to your A+FCU checking account using ClickSWITCH.

*Early payment of funds is not guaranteed and is subject to when A+FCU receives the funds from the originator.

Membership required. One Holiday Line of Credit per member. For new Holiday Line of Credit borrowers, guaranteed approval when you meet these qualifications: Direct deposit of at least $800 per month for the past five consecutive months (does not include current calendar month); Open checking account; 18 years of age or older; Membership opened at least 6 months (180 days); Meets Holiday Line of Credit account requirements.§ Program, rates, terms, and conditions are subject to change without notice. Associations and businesses are not eligible. Some exclusions may apply. Holiday Line of Credit available November 1 – January 31 (following year) and is subject to change.

 Membership required. One Loyalty Line of Credit per member. Loyalty Line of Credit qualifications include: Membership opened for at least 36 months; Direct deposit of at least $1,200 per month for the past five consecutive months (does not include current calendar month); Open checking account; 18 years of age or older; Meets Loyalty Line of Credit account requirements.§ Program, rates, terms, and conditions are subject to change without notice. Associations and businesses are not eligible. Some exclusions may apply.

§Holiday Line of Credit and Loyalty Line of Credit account requirements include (and is subject to change): no negative share accounts; all loans current; no late payments >60 days on any open A+FCU loan; no late payments >60 days on any A+FCU loan closed within the last 36 months; no current or prior charge offs with A+FCU; maximum of $250 in non-sufficient funds (NSF) fees year-to-date on current checking accounts and any checking account closed within the past year; no current or prior bankruptcy status.

Helpful

Resources

Make the most of your A+FCU membership with these resources to help you manage your accounts and better your finances.

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Life Guidance for:

Personal Finances

Financial health is a key part of overall wellness. Count on us to provide the knowledge and tools you need to make sense of your money, better your financial journey, and improve your peace of mind.

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