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Direct Deposit

Accelerate your pay day

Enjoy the speed and security of direct deposit. And now you can get eligible funds up to two days sooner with Early Pay!*

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You’ll love the ease and security of Direct Deposit

Enroll today and gain access to these benefits and more.

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Money when you need it

Your funds are automatically deposited into your checking or savings account.

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Get paid early

Early Pay is a free benefit that gives you access to your deposit up to two days before payday.

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Safe and convenient

Direct Deposit is safer than paper checks or employer-provided pay-cards.

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No fees

Access your money sooner, without extra costs.

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How do I set up Direct Deposit?

Enrollment is easy! Select the best option for you:

Option 1: Employer portal
Submit your RCU account and routing number to your employer via their Human Resources portal (ex. ADP®, UKG®, WorkDay®).**

Option 2: Payroll form
If your employer doesn’t have an HR portal, fill out RCU’s online Direct Deposit form or your employer’s direct deposit form, and submit it to your employer by hand. Please check with your employer for form requirements.

Frequently asked questions

    1. Your account number where you’d like funds deposited to
    2. Type of account: Checking, Savings or Money Market
    3. RCU’s routing number: 321177586

    If needed:

    • Redwood Credit Union’s address: 3033 Cleveland Ave, Santa Rosa, CA 95403
    • Please visit your local branch if your employer requires a voided check.

  • Once your direct deposit request is submitted to your employer, it typically takes 1-2 pay periods, or up to 60 days, for your employer’s Payroll to complete your request. Don’t worry – we will be ready as soon as the request is complete! If you’re new to RCU, make sure you don’t close your old account until you see your direct deposit show up in your new RCU account. Please contact your employer for application processing questions.

  • Once your direct deposit is set up, RCU will post your eligible direct deposit payments up to two days early. Eligible direct deposits that may be paid early include payroll deposits, government or state benefits and pensions, and military pay. Early Pay is available free of charge for RCU Members.

    The following payment types are not eligible for Early Pay:

    • Person-to-person (P2P), web or online payments (ie: PayPal®, Venmo®), International deposits (IAT), Business Corporate Credits (CCD)

  • RCU will post eligible direct deposit ACH transactions up to two days early, when possible. Some factors that could delay posting payments early may include: Employer/payroll based processing delays, employment changes, federal holidays, membership-specific concerns.

    Please note:

    1. Your employer controls when deposits are sent to their processor or bank. Some are sent 1-2 business days early and others are sent same day. Eligibility for Early Pay depends on when the transaction is received by RCU.
    2. Your employer’s official pay day does not change.
    3. Direct deposits are not trackable in real time. RCU cannot see when the employer sent the payment file, or where the payment file is before reaching RCU.

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Need to set up digital banking?

Save time by managing your account online. Our digital banking platform is available on desktop and mobile app so you can access your money whenever you want!

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Have a question?

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  • *Early Pay may provide access to eligible direct deposits up to two days before the pay day established by the income provider. Direct deposit must be established by the Member and approved by Member’s income provider. Eligible deposits include payroll, government or state benefits and pensions, and military pay. Person to person payments, international payments, business corporate credits, or other payment types are not eligible. Service is provided solely as a Member benefit and is not guaranteed. Certain restrictions may apply.

    **ADP® is a registered trademark of ADP, Inc. UKG® is a registered trademark of UKG Inc. registered in the United States. WorkDay® is a trademark of Workday, Inc., registered in the United States and elsewhere. PayPal® and Venmo® are registered trademarks of PayPal, Inc.

PPP Forgiveness Application Deadline

Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:

  • PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
  • RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
  • Your correct deadline will be reflected in your online banking account.

If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.

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