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Get paid up to 2 days early1 with direct deposit!

Have your paycheck or federal benefits automatically sent to your checking or savings account.

Benefits

Setting up a direct deposit is the fastest and easiest way to get your paycheck or federal benefits automatically in your account.

Faster

With direct deposit, you can get paid up to 2 days early1.
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Safer

No need to worry about lost, stolen or delayed checks.
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Convenient

No need to worry about checks taking too long to clear or getting lost.
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Ways to enroll

  • Provide your employer or paying agency with your PenFed account number and our routing number (256078446).
  • Visit the Go Direct website at www.godirect.gov to sign up for direct deposit of your Social Security or other federal benefit payment.

FAQs

Direct Deposit allows your employer or benefits administrator to digitally deposit your pay directly into your PenFed checking or savings account.

Yes! Visit the Go Direct website at www.godirect.gov to sign up for direct deposit for your federal paycheck or benefit payment.

For all other, contact your employer to determine how to establish direct deposit.

Once you set up direct deposit to your PenFed account, you don’t need to do anything else to get paid early!

Direct Deposit availability depends on when PenFed receives pay information from the payer. If your deposit doesn't arrive early, expect it to arrive on your scheduled payday.

PenFed may be able to make some eligible direct deposit transactions available earlier than the regular schedule date. Eligible transactions are certain ACH credit transactions, such as payroll, tax refunds, government benefits, military pay, and pensions. PenFed relies on ACH transaction coding and instructions provided by payers to determine of the transaction is eligible for early direct deposit. Early direct deposit is not guaranteed.

 

Here are some reasons why PenFed may not be able to post direct deposits early:

 

  • You recently set up direct deposit for the first time (government pay may take a pay cycle or two to establish)
  • Your deposit type is not eligible, such as a bank-to-bank transfer, peer-to-peer transfers (such as Zelle), checks, or mobile deposits.
  • There is a payroll system issue from the payer.
  • The payer has the incorrect PenFed routing number or account number on file.
  • Early direct deposits also depend on timing—payers must provide payment details so PenFed can process the deposit early. If a deposit does not arrive early, members can expect it to arrive on the scheduled payday.

There is no fee to get paid early.

PenFed’s RTN is 256078446.

You can find your account number by logging into:

 

PenFed.org:

  • Log in and select your account
  • Select "View account information" 
  • A pop-up window will display your account number

 

Mobile App:

  • Log in and select your account
  • Select Manage Account
  • Account number displays at the top of page

Yes. You can set up alerts by logging into your account.

Disclosures

1

Early access to direct deposit is available for all PenFed members that set up a direct deposit with their employer or paying agency. Early direct deposit eligibility may vary between pay periods and timing of paying agency’s funding.