Learn how to set up direct deposit with United Federal Credit Union and enjoy secure, automatic deposits. Plus, with Early Pay¹, you may be able to get access to your direct deposit up to a few days early—at no extra cost.
Skip paper checks, avoid unnecessary trips to the branch, and enjoy convenient access to your money on payday with direct deposit. Plus, when you bank with United, with Early Pay1, you may even get paid up to two days early at no extra cost.
Use routing number when setting up direct deposit or another electronic deposit to your United account.
Simply put, direct deposit is a safe, secure, and convenient way to receive your paycheck or other recurring payments electronically. Rather than depositing a paper check, funds are automatically transferred into your United account on payday, giving you fast, reliable access to your money.
A few of the most common types of direct deposits include:
There are many benefits to using direct deposit, including:
No need to physically visit a branch or use Mobile Check Deposit to deposit a paper check.
Your money is available as soon as it's deposited—or even sooner with United's Early Pay.¹
Eliminating paper checks helps reduce the risk of loss or theft.
Getting started with direct deposit at United is quick and easy. Before you begin, you’ll want to have the following information ready:
Routing Number:
United's routing number is 272484894 along with your complete account number.
Account Number:
You’ll need the complete account number for the checking or savings account where you’d like your funds deposited. You can find your account number in Digital Banking or on your monthly statement.
Not sure where to find it? Use the guide below to quickly locate your complete account number in Digital Banking.
Once you have that information, you'll typically have two options for setting up your direct deposit.
United's Routing Number is: 272484894
You typically have two main options for setting up your direct deposit, which include:
Option 1: Set Up Direct Deposit Through Your Employer (Most Popular)
Most employers allow you to enroll in direct deposit through their payroll department or employee portal.
Option 2: Use a Direct Deposit Form
Some employers require a completed direct deposit authorization form. If needed:
You can find your United Federal Credit Union account number(s) in several places, but the easiest way is through Digital Banking.
Don’t use Digital Banking? You can still find your account number on your monthly statement or at the bottom of your paper checks (checking accounts only). If you need additional assistance, give us a call at (888) 982-1400 or stop by your nearest United branch—we’ll be happy to help.
A wide variety of payments can be sent through direct deposit, including:
Keep in mind: This isn't a comprehensive list—just some of the most common payments that can be securely and conveniently received through direct deposit.
Yes! At United Federal Credit Union, we offer Early Pay¹, a service that allows you to receive eligible recurring payroll deposits and select government benefits up to a few days early—at no extra cost. Other eligibility requirements apply, including depositing the funds into a United checking account.
Most importantly, United can only make the funds available as early as we receive payment information from the sender, so timing may vary depending on your employer or payment provider.
To learn more about Early Pay, click here.
There’s no universal time for direct deposits to post. However, if we receive the deposit from the sender on time, most direct deposits are posted during the early morning hours of the scheduled payday, often between 2:00 a.m. and 6:00 a.m.
Keep in mind that posting times can vary based on several factors, including when the employer or payer submits the deposit file and whether the deposit is eligible for Early Pay.
Yes. In fact, direct deposit is considered one of the safest ways to receive payments because the funds are transferred electronically from the payer directly into your account, reducing the risk of lost, stolen, or counterfeit paper checks. It’s also fast, convenient, and reliable.
In most cases, yes. However, it depends on your employer or payer and the capabilities of their payroll system. Many employers allow you to split your direct deposit between multiple accounts by depositing either a percentage of your paycheck (for example, 25%) or a fixed dollar amount (for example, $500) into one account, with the remaining funds deposited into another.
Yes. Social Security benefits can be deposited directly into your United account. In fact, the Social Security Administration encourages beneficiaries to receive payments electronically through direct deposit, as it's a secure, reliable, and convenient way to receive your benefits.
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Learn how credit unions work, how they differ from banks, and why their member-owned model helps support individuals, local businesses, and communities.
Learn how to manage your checking account and better understand what your balance means.
Learn how direct deposit works, how to set it up, and why it's a secure and convenient way to receive your paycheck.
[1] Early Pay is provisional credit only. Deposits eligible for Early Pay are limited to payroll direct deposits and government benefit payments made through the Automated Clearing House (ACH) network to a personal checking account. Other deposits or credits are not eligible for Early Pay. Funds from eligible direct deposits may not post early.
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