Early Direct Deposit

Get Paid Sooner with Early Direct Deposit from USSFCU!

When your funds are directly deposited into your USSFCU account, they become available immediately instead of waiting until the day they are scheduled to post. That’s often two days earlier than most traditional banks or credit unions!¹

How does Early Direct Deposit work?

When your employer processes payroll, they submit files to the Federal Reserve, notifying them how much each employee will be paid that week. The Federal Reserve sends that information to us daily to inform us how much and when you’ll be paid. Instead of waiting until your payday to deposit the funds, we make that money available to you as soon as we receive the notification. For many members, we receive a notification on Wednesday for a Friday payday (which means your paycheck is available two days sooner).

Setting up early deposit is easy. Simply submit the following information to your employer:²

USSFCU Routing Number - 254075250
Account Number - Your USSFCU account number can be found on your monthly statement or by signing in to your my.ussfcu.org digital banking account.
United States Senate Federal Credit Union - P.O. Box 7790 Washington, DC 20013-8920

Many employers offer their own direct deposit forms. If not, you can download your direct deposit form directly from us.

It could take a few weeks for the direct deposit to go into effect. Monitor your bank account regularly so you’ll know when automatic deposits start appearing.

Deposit Wisely—Save More: You can choose to deposit 100% of your check into one account, or you can spread the amount across multiple accounts. For example, you could designate 20% of your paycheck or benefit check to go into a high-yield savings account. The remaining 80% could go into your checking account, where it would be available to pay monthly bills and everyday expenses.

¹Electronic deposits are available up to four business days early, depending on the timing of receipt into our Automatic Clearing House (ACH) database. Member must be enrolled in direct deposit through their employer. ²Employer terms and conditions may apply.

Members' Voice Testimonials

This credit union is the best, I love the customer service and you can't beat the interest rates. I'm happy to be a member of this great credit union.

- James · Locust Grove, GA

The branch manager introduced herself and was extremely helpful. She stated that if there is anything we ever need to please let her know. Very positive experience!

- Larry · Cumberland, MD

Greta was absolutely amazing - as always. She makes me and my parents feel valued and supported. We are forever grateful. [The Credit Union] has been hugely supportive over many years. And we feel known and cared for.

- Eliza · Washington, DC

Long as I have been with the credit union, I haven't had any problems. I also like the protection on my account.

- Charles · Upper Marlboro, MD

My overall experience at the credit union was exceptional. The staff was hospitable offering water, my service was timely and professional and the office was well lit and clean.

- Denise · Washington, DC

As a member for more than 40 years, i have always had great service from the USSFCU and know that they stand behind their great reputation.

- David · Silver Spring, MD

A top rate Credit Union, [I'm] privileged to be part of! Thank you for all you do for our family! USSFCU Credit Union was able to resolve our financial situation - vehicle, personal loans, customer service/recommendations, within 6 months. We belonged to another credit union for over 20 years, with results not even close to comparison. We switched ...

- Manuel · Bowie, MD

Your people and products are amazing. The recent [online banking] overhaul is phenomenal. [I've] been electronic banking since Tele action phone banking - paying bills with my push button landline decades ago. USSFCU is light years ahead of everyone else in terms of ease of use and client experience!

- Misty · Brookings, OR

I have been a member for more than 30 years. I no longer reside in the DC area but continue to bank with USSFCU because of the ease and the customer service.

- Tamra · Denver, CO

I have been a member for over 50 years, and I have always gotten good service with loans, when I had to have service at a branch, and when I needed to have money sent to me from my savings account. The personnel have always been friendly and treated me with respect.

- John · Fort Washington, MD

I especially appreciate being able to quickly speak with someone (not a robot) and that person has always been knowledgeable and helpful.

- Bernard · Richmond, VA

Excellent customer service streamlined and transparent process. The representatives are efficient, knowledgeable, and understanding of the type of loans offered by Credit Union.

- Erwin · Ellicott City, MD

The USSFCU behaves as a credit union ought to behave. The staff works with and for the members, not for a corporate board. Interest rates for a car loan, a home improvement loan, and a mortgage are low and terms are transparent.

- Ruth · Takoma Park, MD

Staff are courteous and friendly to work with. Very knowledgeable about services and products offered or available. Excellent follow-up with customers.

- Jacquelyn · Sanford, FL

I have appreciated USSFCU services for many years since I left my work on Capitol Hill. I have appreciated the occasional webinars on purchasing a home or retirement planning.

- Jamie · Washington, DC

I have been a member since 2006, and have always appreciated the customer service response to any concern or query. In addition, as I have traveled extensively, USSFCU has provided support and access.

- Kathleen · Ukiah, CA

I've had a credit union account for decades, even though I no longer work on Capitol Hill. I now have two accounts. I've been able to do all of our banking remotely, by app or by phone.

- Richard · Washington, DC

I have been a USSFCU member for almost 20 years. There is nowhere else I want my money to be. I always receive excellent service.

- Nicole · Alexandria, VA

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