Direct Deposit & Payroll Deduction

Get Paid Early With A+FCU

Many employers, businesses, and government entities use direct deposit as their main way of paying employees or sending money to individuals. This convenient, hassle-free option sends a paycheck, deposit, or government benefit straight to a payee’s account of choice. And with A+FCU, you could even receive your paycheck early.*

Payroll deduction lets you set aside money from your paycheck into accounts of your choosing.

Set Up Direct Deposit & Payroll Deduction

Typically, to enroll in direct deposit or set up payroll deduction, you’ll need:

• Routing Number
• 13-digit account number
• Account type: checking or savings
• Financial institution’s name and mailing address
• Voided check (not always required)

A+FCU Information

• Financial Institution Name: A+ Federal Credit Union
• Routing Number: 314977104
• Mailing Address: P.O. Box 14867, Austin, TX 78761

Your A+FCU Account Information

You will need your full, 13-digit A+FCU account number. Your 13-digit account number and share type can be found by logging in to A+ Online Banking . After logging in, click into specific share (such as checking) > Find MICR/Account Number (top right).

Your 13-digit account number will always begin with a 1, followed by a two-digit Share ID, and the final ten digits are leading zeros plus your member number. In the check example above, the 13-digit account number is 1120000123456, the two digit Share ID is 12, and the member number is 0000123456.

Another benefit of setting up direct deposit at A+FCU is eligibility for special product offers like the Holiday Line of Credit † and the Loyalty Line of Credit . ‡ These non-traditional loans are based on eligibility requirements, § such as having direct deposit for a period of time and being a member in good standing, instead of your credit report.

*Early payment of funds is not guaranteed and is subject to when A+FCU receives the funds from the originator.

† Membership required. One Holiday Line of Credit per member. For new Holiday Line of Credit borrowers, guaranteed approval when you meet these qualifications: Direct deposit of at least $800 per month for the past five consecutive months (does not include current calendar month); Open checking account; 18 years of age or older; Membership opened at least 6 months (180 days); Meets Holiday Line of Credit account requirements. § Program, rates, terms, and conditions are subject to change without notice. Associations and businesses are not eligible. Some exclusions may apply. Holiday Line of Credit available November 1 – January 31 (following year) and is subject to change.

‡ Membership required. One Loyalty Line of Credit per member. Loyalty Line of Credit qualifications include: Membership opened for at least 36 months; Direct deposit of at least $1,200 per month for the past five consecutive months (does not include current calendar month); Open checking account; 18 years of age or older; Meets Loyalty Line of Credit account requirements. § Program, rates, terms, and conditions are subject to change without notice. Associations and businesses are not eligible. Some exclusions may apply.

§ Holiday Line of Credit and Loyalty Line of Credit account requirements include (and is subject to change): no negative share accounts; all loans current; no late payments >60 days on any open A+FCU loan; no late payments >60 days on any A+FCU loan closed within the last 36 months; no current or prior charge offs with A+FCU; maximum of $250 in non-sufficient funds (NSF) fees year-to-date on current checking accounts and any checking account closed within the past year; no current or prior bankruptcy status.