Direct Deposit

Get Paid the Easy Way

Skip the trip to the branch and enjoy the convenience of having your paycheck, government benefits, tax refund, or other recurring payments deposited directly into your Circle Federal Credit Union account.

Direct Deposit is a fast, secure, and reliable way to access your money. Once you're enrolled, your funds are automatically deposited into the account you choose—no paper checks, no waiting in line, and no worrying about lost or stolen checks. 

Why Choose Direct Deposit?

Direct Deposit offers a simple, worry-free way to manage your finances.

Benefits include:

• Fast, secure electronic deposits
• No paper checks to cash or deposit
• Convenient access to your funds through Online Banking and our Mobile App
• Ideal for payroll, Social Security, retirement benefits, tax refunds, and other recurring payments
• Ability to automatically direct deposits into the Circle FCU account of your choice 

Getting Started is Easy

Setting up Direct Deposit only takes a few minutes.

Provide your employer or payment provider with:

• Circle Federal Credit Union Routing Number: 272483387
• Your full account number, including the appropriate account suffix

Common Suffixes

You can also print a Direct Deposit Authorization Form to provide to your employer or payroll department. 

Print a Direct Deposit Form

Need Your Money Before Payday?

ACH On-Demand

Sometimes life doesn't wait until payday. With ACH On-Demand, eligible members can choose to post certain pending ACH deposits to their account before their scheduled posting time for a $10 Instant Access Fee.

This convenient feature is available for qualifying pending ACH deposits, including:

• Payroll deposits
• Social Security benefits
• Tax refunds
• Other eligible ACH credits

If your deposit is already pending in our ACH warehouse, you can choose to access those funds early. Once posted, the funds are immediately available for use. 

How ACH On-Demand Works

Using ACH On-Demand is simple:

1. Log in to Online Banking or the Mobile App.
2. View your pending ACH deposits.
3. Select Post Now next to the eligible deposit.
4. Accept the $10 Instant Access Fee.
5. Your funds become immediately available.

This service is also available with assistance from a Member Service Representative or Teller at any Circle FCU branch.

At that time the pending ACH deposit is posted, the funds are immediately available. If there are any distributions tied directly to this deposit, those will post early as well.

Other Details

• ACH On-Demand Posting is available to all members. There is no age requirement. 
• This feature can be done with any pending deposit. 
• Funds must be pending in the ACH warehouse to post early.
• If there are any distributions tied directly to the deposit, those will post early as well.
• Any automatic funds transfers (AFT) will happen at their normal scheduled time.
• This feature can be done in branch with a Member Service Representative or Teller, on our mobile app, or through online banking. 

If you'd like to learn more before trying it out, simply give us a call at 269.684.6005 and speak with one of our Member Service Representatives.