Direct deposit is simply a way of having payments you normally receive by check sent directly to the credit union, and automatically deposited into an account of your choice. You don’t have to make a trip to our lobby to cash or deposit checks.

Almost any type of payment you receive on a regular basis can be directly deposited to your accounts.

  • Your payroll check if your employer agrees
  • Social Security
  • Civil Service
  • Military Service
  • Pension Checks
  • Retirement
  • Stocks & Savings Dividends

To sign up, you will need to contact the sender (i.e. your employer, social security, etc.) and give them your account number and the Routing and Transit number, which is 241-283-945. You can also download our Direct Deposit Form.

Payroll Deduction

Payroll deduction can put money into your savings account, your checking account, or any other deposit account from your paycheck. You can also have your loan payments made directly from your payroll deduction. You decide what amount you want sent to the credit union and how much to each account- you can even have money deposited into accounts for your spouse or children.

With payroll deduction, you save frequent trips to the credit union. Gasoline and your time are valuable- payroll deduction can save both for you!

Early Pay

We can deposit your payroll, retirement, or Social Security check up to two days sooner with Early Pay!*

Have you ever noticed your paycheck in your pending ACH transactions days before pay day? That’s part of the direct deposit process: your employer submits your deposit information, it’s sent to the Federal Reserve Bank, then sent to us where it waits to be deposited on pay day.

We now have the option to post these pending direct deposits to your account up to two days in advance, and you can decide when you want to deposit your paycheck early!

If you’re using the mobile app:

  1. Log in
  2. Select the Accounts tab at the bottom of the screen
  3. Select My Accounts
  4. Select Pending ACH Transactions
  5. Select Post Now to instantly post your deposit!

If you’re using online banking:

  1. Log in
  2. Hover over My Accounts
  3. Select Pending ACH Transactions
  4. Select Post Now to instantly post your deposit!

There is an $9.99 fee per ACH deposit posted early which is deducted from your account before posting. The funds are immediately available when you use Early Pay.

Frequently Asked Questions


When can I deposit pending ACH funds?

Once CPFCU receives your ACH payroll file, it will show pending under ACH transactions in your online banking or mobile banking.  If the deposit shows pending, it’s available for early deposit!

Which CPFCU accounts are available for Early Pay?

All checking and savings accounts are available and already equipped with the Early Pay function.

Can the $9.99 fee be paid out of the pending deposit?

Funds must be available in one of your CPFCU accounts prior to the deposit posting in order to utilize this service.

How long does it take for the funds to be available after I pay the $9.99 fee?

Once you have selected the Post Now function, and have selected the account to process the fee, the funds are instantly available!


*Preauthorized ACH credits received by CPFCU may be available to credit to accounts as soon as two business days prior to the scheduled posting date. If the ACH originator does not submit the information ahead of time, CPFCU will be unable to make these deposit funds available early. In this case your deposit will be posted on the scheduled posting day. CPFCU is not responsible for fees or  penalties resulting from transactions in advance of an early ACH credit posting.

  • Routing Number: 241283945
  • APR = Annual Percentage Rate
  • APY = Annual Percentage Yield