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Personal and Business Banking

Recurring Direct Deposit

Get access to your paycheck up to two days early

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direct deposit

Recurring Direct Deposit Features

  • Your payroll, retirement, Social Security, or other recurring checks can be electronically deposited into your DCU accounts.
  • Get access to your money up to two days before pay day.

"One of the best perks of being a DCU member"

Open quote I've been getting my paychecks a day earlier for years thanks to DCU. It's absolutely one of the best perks of being a member! Close quote

— fidelisoris, Amherst, NH

Recurring Direct Deposit at DCU

With recurring Direct Deposit your payroll, retirement, Social Security, or other recurring checks can be electronically deposited into your DCU accounts. That means no long lines to wait in, postal delays to stress over, or theft to worry about. Your money is in your account and ready to use.

Benefits of recurring Direct Deposit

  1. Speed – The funds are in your account ready to use up to two days before payday.

  2. Convenience – You don't have to worry about traveling to an ATM or branch to deposit your check.

  3. Safety – You don't have to be concerned about your check being lost or stolen.

  4. Build good savings habits – Building your long term savings is easier because it goes into your account before it touches your hands.

Extra Checking Benefits at DCU

Recurring Direct Deposit is one of our three qualifying services that can earn you automatic upgrades to your Checking Account benefits at DCU.

Learn more about DCU's Checking Account options

How to Sign-up

In order set up recurring Direct Deposit to your DCU Checking or DCU Savings Account, simply provide your employer or other payment provider with DCU's routing and transit number/ABA# – 211391825.

  • To deposit funds to your DCU Checking Account, provide your employer or other payment provider with your checking account cross reference number. This is the middle set of numbers (8 digits) on the bottom of your checks. For simplicity and accuracy, you may want to provide them a voided personal check for the account receiving funds.

  • To deposit funds to your DCU Savings Account, provide your employer or other payment provider with your DCU Member Number.

ClickSWITCH makes switching your existing Direct Deposit from your current institution to DCU easy. Learn more about ClickSWITCH.

Set-up Recurring Direct Deposit for Social Security and Federal Checks

DCU can direct Social Security and Federal payments to your accounts here at DCU for you. Just print out our Direct Deposit of Federal Recurring Payments Form and follow the instructions included with the form.

Set-up Recurring Direct Deposit for Federal Tax Refunds

You'll receive your refund faster with recurring Direct Deposit. Visit our Tax Refund Direct Deposit page for more details.

Allocating Funds to DCU Accounts

Once you establish recurring Direct Deposit with your employer or other payment provider and the funds are being sent to DCU, you can allocate the funds to your various DCU Accounts.

Using Online Banking, you can set up recurring weekly, biweekly, twice monthly, or monthly automatic transfers to your other accounts, to accounts on which you're a joint owner, and to other member accounts you've requested.

You can also fill out an Automatic Transfer Authorization to have us set up automatic transfers for you.


Contact the DCU Information Center at 508.263.6700 or 800.328.8797, weekdays from 8:00 am to 9:00 pm and Saturdays from 9:00 am to 3:00 pm, ET.


Direct Deposit is rated 4.7 out of 5 by 47.
Rated 5 out of 5 by from Quickest and elegant deposit The one thing which I like the most in DCU is the direct deposit, you get money way before than your fellow beings as the money gets deposited the same day, your employer deposits in your account. The best service yet.
Date published: 2018-07-25
Rated 5 out of 5 by from Early cash is always hepful we can plan the things upfront if we get the cash before the paycheck !!
Date published: 2017-02-15
Rated 5 out of 5 by from Direct deposit Love getting direct deposit Payroll 2 days early!!
Date published: 2016-10-08
Rated 5 out of 5 by from I WAS SURPRISED I just joined DCU and got my SS and VA 2 days early. Not that important to me right now but nobody knows what the feature will bring.
Date published: 2016-08-31
Rated 5 out of 5 by from Look no further I've been a DCU member since its inception and I still use it even after I relocated to California. You wanna know why? Because of how they treat you as a customer. Their services are beyond excellent, they approve your loans without making you jump through the hurdles, and I've yet to find me a better bank or one like it.
Date published: 2016-01-16
Rated 5 out of 5 by from DCU Direct Deposit is excellent I'm with DCU for 15 years, Direct Deposit is excellent
Date published: 2016-01-12
Rated 5 out of 5 by from This service is as good as it gets As a DCU member for over 20yrs I can can't imagine better products or services from any other financial institution.
Date published: 2016-01-01
Rated 5 out of 5 by from DCU Da Best I have been a DCU customer since 2003.Direct deposits or Loans or Mortigage are handled very easy.Customer reps. are very friendly and easy to work with.
Date published: 2015-03-25
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How do I sign up for direct deposit?

Asked by: DCU Member
You need to do this through your employer. You will asked to provide DCU's routing number (search the website or call customer support) and your account number (from the bottom of your checks... NOT the account nickname or your member number!) Please note your employer may not provide direct deposit as an option and if this is the case you will not be able to set up direct deposit. This is a limitation of your employer, and not DCU.
Answered by: fidelisoris
Date published: 2013-10-23

Can I have part of my direct deposit go to one institution and the rest go to DCU, so in effect having direct deposit happen at two different place?

Asked by: Mike
Yes, however this is something you would need to set up through your employer and/or their payroll company. Most of the major payroll companies (ADP, for example) support multiple destinations for direct deposit. Your other option is to set up a recurring external transfer to route the deposit outside of your DCU accounts, but bear in mind there are limits to these services, so check the fine print first.
Answered by: fidelisoris
Date published: 2013-10-23

direct deposit 2 days faster

If I get paid on wednesday because of direct deposit 2 days faster is it only calculating how much I'm getting paid from sunday to wedesday or it calculate all the days and I recieve all the money by wedesday? And am I getting paid every two weeks or one week?
Asked by: monkeylover
Your payroll deposits will depend on your employer's pay schedule. Your Direct Deposit can be made up to 2 days early, but we can\ not guarantee Direct Deposits are going to be deposited two days early as it all depends on when your employer's payroll provides their Direct Deposit file to DCU for the incoming deposit.
Answered by: DCU Staff
Date published: 2016-04-09

Can someone else do direct deposit into my account?

A family member is paying off a loan that I made to them and they want to have the money send directly from their employer. FYI...They work in another state (WI).
Asked by: MYLES
The person sending you the money will want to contact their employer to determine if that is something they can set up. If they can you will want to provide them with your routing (211391825) and account number. If their employer is unable to set this up they may be able to set up a transfer directly from their financial institution to your DCU Account.
Answered by: DCU Staff
Date published: 2018-06-30

How do I set up direct deposit of my paycheck to be distributed to my savings, money market, and checking accounts

I would like to set up direct deposit so that fixed amounts go into the savings and money market accounts and the balance goes into the checking account.
Asked by: Al
You will need to access the Direct Deposit form in Online Banking to print Direct Deposit letters for each of your Savings, Money Market, and Checking accounts to provide to your employer for this. Once logged in, hover over the ACCOUNT MANAGER tab, click Home, select Manage Accounts, then choose the Direct Deposit link. Fill out this form for each of your accounts.
Answered by: DCU Staff
Date published: 2015-10-17
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"Direct Deposit makes my money available faster"

Open quote With recurring Direct Deposit I don't have to carry a check to the bank, and I don't have to wait for the check to be processed before the funds are available. I could never imagine going back to having to worry about depositing my paycheck. Close quote

— Member_4_Life, Holliston, MA

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