We understand our members’ time and money are important. Our Direct Deposit affords the opportunity to save plenty of each. Sign up today!
Features and Benefits
- No paper checks to be lost or stolen
- Your money is available the same day your check is issued — even when you're traveling, under the weather or just physically unable to get to a branch
- No more waiting in line during your lunchbreak, after a long day at work or fighting rush hour traffic to make your deposit
- Helps avoid bouncing checks or overdrawing your account
Enroll Today
With Direct Deposit, your funds are electronically deposited into your DFCU Financial checking account making life easier and more convenient.
Sign Up for Direct Deposit
- Click the “Payroll Direct Deposit” button located below to access our Direct Deposit Authorization form. Provide the completed form to your employer or agency responsible for your payments.
- Or, click “Social Security or Gov’t Direct Deposit” button if you would like to enroll your Social Security, Supplemental Security Income, VA Compensation or Pension, or other like payments for Direct Deposit.
Get Paid Sooner with Early Pay**
With Early Pay**, Retail members can access eligible direct deposits up to two days early. That means more flexibility to cover bills, build savings, or simply enjoy a little extra breathing room before payday.
What is Early Pay?
Early Pay gives you access to eligible direct deposits as soon as DFCU Financial receives them, often up to two days before your scheduled payday. It’s not a loan and there’s no fee. It’s simply your money, available sooner.
How it works
- Early Pay is automatic for eligible deposits, so there’s nothing extra to enroll in once your direct deposit is set up.
- When your employer/administrator sends your deposit to DFCU early, we make the funds available after the payment is processed.
- Timing can vary. Deposits depend on when your employer/administrator submits the payment file, and weekends or holidays may delay availability.
Getting started is easy
- Open a DFCU Financial retail checking or savings account and set up a payroll direct deposit.
- Provide your employer/administrator the completed direct deposit form. You will need to provide the DFCU Financial routing number, which is 072486791, and your checking account number.
With Early Pay, your money can be ready when you need it—helping make payday feel a little closer.
**Early Pay = You may receive a direct deposit up to two days early with Early Pay if you have a retail checking or savings account with us and a recurring qualifying direct deposit up to $10,000. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer/administrator. We generally make these funds available on the day the payment file is received, which may be up to two days earlier than the scheduled payment date. It is at our discretion to identify which recurring direct deposits are eligible for Early Pay. We cannot guarantee that you will receive the Early Pay service due to unanticipated circumstances. DFCU Financial does not guarantee early availability of any direct deposits, and eligibility of a direct deposit for early availability may change between pay periods. Any direct deposit that is not posted early will otherwise be made available according to our funds availability schedule. Even after we have made funds available to you and you have withdrawn the funds, you remain responsible if any deposit to your account is returned, rejected, or otherwise uncollected by the originating financial institution. We reserve the right to conclude Early Pay at our sole discretion and without any further notice to you. Early Pay is automatic with direct deposits and there is no fee. You can opt out of the Early Pay service at any time, by contacting a DFCU Financial branch or calling member service at 888.336.2700.