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Early Direct Deposit is Here

Don't Wait for Pay Day, Get Paid Early!

With SFCU's early direct deposit, you could receive your paycheck or other qualifying deposits up to 5 business days early.*

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no-fee

No Extra Work. No Fees.

Once you set up your direct deposit with SFCU, there’s nothing you need to do and no fee to take advantage of it. Just sit back and enjoy earlier access to what you’ve earned.

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Variety of payments

Eligible deposits include payroll, tax refunds, government benefits, pension, and more.

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Quicker access to funds

Since you don't have to pick up your check and go to the branch, you'll have access to your funds faster than with physical deposits.

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Save time

No more running around to deposit paper checks. Save time by letting your check deposit automatically into your account.

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Direct Deposit Cash Rewards

Opt-in to receive a monthly cash back reward for each qualifying loan you have with SFCU. **

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No monthly fees. No minimum balance. Just a simple, straightforward checking that's perfect for your everyday needs.

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Direct Deposit Made Easy

ClickSWITCH

Switching your direct deposits and recurring payments has never been easier. ClickSWITCH provides a quick and secure way to switch all of your direct deposits, recurring payments and subscriptions from existing financial institutions to your new or existing SFCU account.

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You guys are awesome!!

— Kailee P

How it works

It's easy to switch your direct deposit and recurring payments

  • 1

    Get Started

    Enroll or Login to Online Banking

  • 2

    Head to ClickSWITCH

    Select ClickSWITCH located in "Account Services" on the main menu.

  • 3

    Get paid Early

    Your future payments will automatically deposit into your account up to 5 business days early.

Switch My Direct Deposit

Early Direct Deposit Frequently Asked Questions

  • What is early direct deposit and how does it work?
    Early direct deposit allows you to receive your paycheck up to 5 business days* before your scheduled payday, depending on when your employer submits the payroll file to us.

    What types of deposits are eligible for early direct deposit?
    Eligible payments include payroll, tax refunds, government benefits, pension, and more.

    Do I need to sign up separately for early direct deposit?
    No. If you already have direct deposit coming to SFCU, you’ll automatically receive your funds early (when available).

    How soon after opening an account can I receive an early direct deposit?
    As soon as your account is active and direct deposit is set up, you’re eligible to receive early deposits.

    Is there a fee for using early direct deposit?
    No, this is a free service provided to all members.

    Will I always receive my paycheck early?
    We will release your funds as soon as we receive the deposit information. Timing depends on when your employer or benefits provider sends the file.

    Is early direct deposit guaranteed every pay period?
    No. While we aim to provide early access, it depends on when your payroll provider submits the information.

    How can I confirm that I received my deposit early?
    Check your balance or transaction history online or mobile banking, call us at 877-642-7328, chat with us at sfcuonline.org or stop by your local branch.

    What happens if my early deposit is delayed?
    If you’re expecting a direct deposit but haven’t seen it in your account, reach out to your payroll provider to see when they processed it. Direct deposits go through a few steps between the payment provider and the destination checking account. If your employer has processed the paycheck but it’s not in your SFCU account, it’s still going through these steps. Don’t stress: SFCU will deposit the funds as soon as they’re available.

    Do holidays or weekends affect early direct deposit timing?
    Yes. If payday falls on a holiday or weekend, you might receive your deposit even earlier — based on file submission.

    Is early direct deposit safe and secure?
    Yes. It uses the same secure ACH processing system as a standard direct deposit.

Disclosures

  • *Early direct deposit allows you to receive your paycheck up to 5 business days before your scheduled payday. Early availability of funds is dependent on when we receive the payment file from your employer or benefits provider. We cannot guarantee early deposit of any payroll or other direct deposits. *Maximum of 5 business days early. Actual availability may vary.

    **Enrollment required. Rewards based on monthly direct deposit total:

    • $500–$1,999.99: 0.50% APY
    • $2,000–$3,499.99: 0.50% APY
    • $3,500+: 0.75% APY

    Average monthly direct deposit must be at least $500, calculated over the past 100 days.

    Eligible loans: Personal, Auto, RV, Boat, Sportscraft, and Motorcycle Loans.

    Ineligible loans: Mortgage Loans, Home Equity Loans/Lines, Driving Sense, Kwik Kash, Credit Cards, Share Secured Loans, and Unsecured Home Improvement Loans.

    Rates, terms, and conditions subject to change.

Fast and effortless payment

No matter how you get paid, have your checks sent directly to your account with Direct Deposit and skip the trip to the branch every payday. It's the easiest and fastest way to get paid!

How to Set Up Direct Deposit

How to Set Up Direct Deposit

Whether you wish to send a one-time direct deposit, such as your tax refund, or your recurring paycheck – SFCU wants to make it easy.

Here is all you need to do:

  1. Provide Routing Number, which is 221379905
  2. Provide your Account Number. DO NOT include the suffix.Ex. If your Account Number is 123456 and your checking account suffix is 0700, do not provide 123456-0700. Only provide 123456.
  3. If the form asks if the funds go to savings or checking, make your selection. If no selection is made AND you have an SFCU checking, the funds will be deposited into the checking account.

It’s as simple as 1-2-3. If you have any additional questions, select the chat option during virtual branch hours or call to speak with a representative.

Keep track of your account with online and mobile access. If you have not yet done so, register today for 24/7 access!

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Let's Get Started!

Not a Member?

We’d love to welcome you to the SFCU family! Getting started is easy – just click the link below to begin opening your account.

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Already a Member?

Head over to online or mobile to add a new product. See ‘xPress Accounts’ under ‘Account Services’ Menu. Or select ‘Add a Product’ to get started now.

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