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  1. Home
  2. Checking
  3. Direct-Deposit
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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 to deposit your pay directly into your account electronically.

Yes! Federal Government Direct Deposit forms (Form 1199a) can be found here and Non-Government Direct Deposit forms (Form 1299) can be found here.

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.

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

Early availability is not guaranteed and may vary from pay to pay. 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. 

There is no fee to get paid early.

Yes. You can set up alerts when you log in at penfed.org.

You can find your account number when you log in at:

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

More info can be found here.

Disclosures

1Early 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.

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This credit union is federally insured by the National Credit Union Administration. Rates are current as of May 2025 unless otherwise noted and are subject to change.

APY = Annual Percentage Yield
APR = Annual Percentage Rate


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Routing #256078446

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