For payroll checks: Direct Deposit needs to be set up with the payroll department of your employer. Your employer will need your account number and Rock Valley CU’s routing number, #271988388. To help you get started, download our direct deposit form and take to your employer.

For Social Security checks: Visit Go Direct, contact your local Social Security office or call our Member Contact Center at (815) 282-0300. 

We work directly with your employer or government payer to make sure the money you are owed goes straight into your bank account. There’s no time lag or extra errand to run – just a simple, one-time sign-up.

Direct deposit is both fast and convenient! You’ll have access to your money immediately – the day you get paid. And you can begin spending right away, without ever making a trip to the credit union. 

It’s even safer than a traditional check! There’s no concern about losing a paper check or it being stolen. 

Our best option is direct deposit into a free checking account, which gives you easy access to your cash. You’ll be connected with a Visa debit card with rewards and thanks to our AllPoint and CO-OP networks, you’ll have access to more than 85,000 ATMs nationwide – all without a surcharge. Best of all, there’s no minimum balance required for our free checking accounts. 

When you have an unexpected check arrive, that’s the perfect chance to use our remote deposit. Just a quick picture from your phone will get the money into your account.

Apply here to open your checking account today!

Early Pay direct deposit is exactly that. With direct deposit of your payroll or automatic ACH deposits, you can get access to your money up to two days* early. There is no fee for this service and if you are currently enrolled in direct deposit, you are automatically eligible for Early Pay. Members cannot decline or opt out of this service. 

Your deposit will be posted as soon as the money is received. That means you could see the funds in your RVCU account up to two days* earlier than your co-workers or others receiving the same electronic deposit. 

If you already have direct deposit, there is nothing to do but sit back and enjoy receiving your funds a little earlier! If you do not have direct deposit at RVCU, it is a simple process to start. A member of our Contact Center or branch staff are happy to assist. On average, it will take one to two payment cycles to switch your direct deposit to RVCU. 

Your money is posted as soon as we receive it. However, the timing and availability of the funds may vary, depending on the payor (i.e., your employer or government agency)**. 

*Some deposits may be received earlier than two days prior to scheduled credit

**RVCU does not control payor processes and practices