Direct Deposit

Wouldn’t it be nice to worry about one less thing? Try Direct Deposit. With Direct Deposit you authorize your employer or federal agency, like the Social Security Administration, to deposit your check directly into your Credit Union account. You can count on access to funds without visiting the Credit Union.

All you need is the Credit Union’s routing/transit number, your account number, and whether the funds go into your savings or checking account.  No matter where your check is coming from; your employer, a tax refund, social security check, or retirement account. Direct Deposit takes the worry out of:

  • Stolen or misplaced checks. Direct Deposit eliminates those risks.
  • Delayed deposits. Your funds are deposited regularly and on time.
  • Losing potential dividends. With Direct Deposit you earn dividends on funds as soon as possible.
  • Waiting in long lines to make a deposit.

Take advantage of the convenience and security of Direct Deposit today.

For your convenience the routing number for Ravalli County Credit Union is 292977420.

Now offering Early Direct Deposit!

Need your direct deposit faster? Some of your pending deposits may be eligible for early posting. Service fees apply – $10.00 per deposit requested via online/mobile banking and $15.00 per deposit requested in-person. *

When you take advantage of this exciting new service you may access your direct deposit up to three days early!

How to Request an Early Direct Deposit (Mobile App):

  • Sign in to the mobile app
  • Tap the More menu
  • Tap ACH Transactions
  • If your direct deposits are pending, tap the deposit you would like to post
  • Review the deposit screen and follow prompts to Accept the Fee & Post
  • Any scheduled ACH distributions will also post at this time. **

How to Request an Early Direct Deposit (Online Banking)

  • Sign into ItsMe247
  • Hover your mouse over Member Services
  • Click on ACH Transactions
  • If your direct deposits are pending, tap the deposit you would like to post
  • Review the deposit screen and follow prompts to Accept the Fee & Post
  • Any Scheduled ACH distributions will also post at this time. **

*Fees cannot be taken from the deposit. You must have the fee amount in your account prior to posting.

**Scheduled AFTs (Automatic Funds Transfers) will not occur until their scheduled delivery date.