When your employer sends your pay directly to your checking or savings account rather than issuing you a paper check, you're participating in Direct Deposit. These deposits arrive and are made available to you more quickly than paper checks, and can be automatically divided among different accounts based on your direction. You don't even have to go to the credit union.

Direct Deposit is simple - Once you have signed up for Direct Deposit, you don't have to go to the credit union to deposit checks. Your money is automatically deposited into your account on time, every time - and you don't have to be at work - or even in town!

Direct Deposit is safe - Direct Deposit payments never get lost.

Direct Deposit is confidential - Money is transferred electronically and passes through fewer hands than a check and problems with Direct Deposit, which are rare, are quickly resolved.

Direct Deposit is smart - Direct Deposit gives you access to your money earlier than check deposits. There is no waiting for checks to clear. With Direct Deposit, you decide how to divide your pay among your accounts and it will be done automatically. Employers will issue a payment summary every deposit that will look much like your paycheck stub looks today. It will show your deductions for taxes, insurance, and other obligations, and will reflect the balance that was deposited into your account(s).