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Direct Deposit FAQs


Can I set up my direct deposit to put money in more than one share account?

You can if your employer allows that option. Check with your payroll office to find out if it is available.

If your employer does not offer that option, you can sign up for our automatic transfer program to make regular distributions to your various credit union accounts and loans.

What information does my employer need to begin direct deposit?

Your employer will need an authorization form directing them where to deposit the money, including the credit union's routing number and your account number.

For new direct deposits, the preferred format is a 10-digit number. If you have a 12-digit account number, it can be converted to a 10-digit number by removing the first two zeros.

Some direct deposit forms are listed on our web site. Please check with your employer to obtain the appropriate form. They may also require a voided check if your deposit will go into your checking account.

I currently have a 12-digit account number (ex: 000000022204). Will that still work?

A 10-digit account number is the preferred format, but your 12-digit account number still works. (Your 12-digit number can be converted to a 10-digit number by removing the first two zeros.)

What is Virginia Credit Union's routing number?

VACU's routing number is: 2 5 1 0 8 2 6 1 5

How soon after I sign up will direct deposit take effect?

This depends on the processing time required by your employer or payer. Check with them to learn what to expect. Some payments may take up to 60 days to begin.

For Social Security payments, direct deposit could start within 30 days if you sign up with us through the QuickStart program. Complete the QuickStart Application and return it to us.

How will I know when my direct deposit has begun?

If you are receiving direct deposit of your pay, your employer will give you a direct deposit advice with your pay stub rather than a paycheck. You can use our 24-hour QuikLine Phone Banking or Online Banking to verify receipt of your deposit. Your deposit will also appear on your monthly credit union statement.

How do I change my direct deposit from another bank to the credit union?

Check with the payer to find out the easiest way to do this. Or you can print and complete the appropriate direct deposit form available on our web site. Check with your employer to find out what form(s) are required.

Send it to your payroll office or the company or organization that makes the deposit. It may take several pay periods, depending on the payer.