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Products & ServicesWe exist to serve your needs. Check out our competitive benefits and services.

Financial ConvenienceHCFCU offers convenient financial services, making life easier.

ACH Transactions

Save time, paper, and stamps! Use our ACH Electronic Services; set up direct deposit, electronic payments, and payroll deduction today!

Direct Deposit

Set up direct deposit with your employer and have your paycheck automatically deposited into your account. No need to come in and make a deposit, you can sit back and relax knowing your funds are safe and sound.

Payroll Deduction

A payroll deduction is only a portion of your net paycheck being deposited into your account. Check with your employer to see if this is an available option.

Payroll Distribution

Once you have your direct deposit coming in, set up a payroll distribution with us! You can direct portions of your deposit into multiple accounts. Have your direct deposit going into your checking account with $100 of it going directly into your savings; it’s such an easy way to save!

What’s Needed

To set up any electronic/direct deposit into your account you need our Routing and Transit Number and your account number that you want your deposit to go into.

Routing and Transit Number: 321379818

Savings: Use your account number that can be found at the top of your monthly or quarterly statement.

Checking: Use the account number that is at the bottom of your checks. It is the 10 – 13 digit number located between the Routing & Transit Number and the Check Number.

Social Security

Have your Social Security check, or other federal benefit payments, deposited into your account. For details on how to set this up, please visit godirect.gov.
Frequently Asked Questions
What does ACH mean?
ACH stands for Automated Clearing House. It’s a nationwide electronic funds transfer system that allows for Electronic Deposits and Electronic Payments to occur. ACH transfers are also referred to as “electronic funds transfers” (EFTs).
What accounts can I use?
-          Direct Deposits can be made to your primary savings or checking accounts.
-          Electronic Payments can be made from your savings or checking accounts.1

1It is highly recommended that you make Electronic Payments from your checking account. Federal regulations limit savings transfers to six pre-authorized or telephone transfers per month. An Electronic Payment is considered a pre-authorized transfer. If you exceed the limit of six pre-authorized or telephone transfers per month from your savings account, any additional pre-authorized or telephone transfers will be denied.