Father and son playing soccer
Direct Deposit

Switch & Score: Earn Up to $250 with Direct Deposit

It's easy to set up direct deposit and get paid up to two days early. Plus, you'll get a $250 bonus with qualifying direct deposits.1

Setting Up or Switching Your Direct Deposit is a Breeze!

No paper forms or voided checks required. It's simple, safe and secure! All you need are the login credentials of your payroll or benefits provider (such as ADP, Workday, Paychex, VA, SSA, etc.).

  • Step 1

    Switch your direct deposit within digital banking by selecting “Set Up Direct Deposit” in the menu.

  • Step 2

    Wait for your direct deposit to hit your account (typically 1-2 pay cycles)

  • Step 3

    Collect a $50-$125 bonus each month you receive a direct deposit!


Log In to Digital Banking

Get the Most out of Your Paycheck

  • Get Paid Early

    Enjoy access to your money up to two days early when you set up direct deposit.2

  • Up to $250 Bonus

    Get up to $250 extra when you set up at least $1,000 in monthly direct deposits.

  • Unlock Higher APYs

    Members with direct deposit can earn higher rates on Bump Up CDs. 3

Direct Deposit FAQs

Direct deposit is a form of electronic payment using the Automated Clearing House (ACH). Direct deposit is primarily used by employers to pay employees and by government agencies for payments such as social security and VA benefits.

You can switch your direct deposit in under 5 minutes with just a few steps:

  1. Log in at FSCU.com or in the FSCU Digital Banking app.
  2. In the side menu, navigate to Set Up Direct Deposit.
  3. Choose the account for your deposits.
  4. Search for and select your employer, payroll system, or benefits provider. If you can't find your employer by name, you may need to search for your payroll provider instead.
  5. Log in to your employee or benefits account.
  6. Confirm your paycheck distribution, and you'll be done!
Most employers process payroll a few days before payday, and most banks wait until payday to give you access to your funds. At First Service, we give you access to your funds up to two days early, so you don’t have to wait to pay off expenses, struggle at the end of a pay period, or say “no” to an outing with friends. With early access to your funds, you can make waiting for your paycheck a thing of the past.
Depending on the time of submission and your pay cycle, it will usually take 2-4 weeks.
You will receive your bonus pay out the first day of the month after each qualifying direct deposit is received.
Yes, you can choose between a fixed amount or a percentage when setting up new paycheck distributions.

You can switch your direct deposit in under 5 minutes with just a few steps:

  1. Log in at FSCU.com or in the FSCU Digital Banking app.
  2. In the side menu, navigate to Set Up Direct Deposit.
  3. Choose the account for your deposits.
  4. Search for and select your employer, payroll system, or benefits provider. If you can't find your employer by name, you may need to search for your payroll provider instead.
  5. Log in to your employee or benefits account.
  6. Confirm your paycheck distribution, and you'll be done!
Yes, you can choose between a fixed amount or a percentage when setting up new paycheck distributions.
Most employers process payroll a few days before payday, and most banks wait until payday to give you access to your funds. At First Service, we give you access to your funds up to two days early, so you don’t have to wait to pay off expenses, struggle at the end of a pay period, or say “no” to an outing with friends. With early access to your funds, you can make waiting for your paycheck a thing of the past.
Depending on the time of submission and your pay cycle, it will usually take 2-4 weeks.
[1]
Members with existing direct deposits do not qualify. First Qualifying Direct Deposit must be received into the member’s account within 60 days successful enrollment. First Service will deposit $50 after the first month in which a total of $1,000 or more in Qualifying Direct Deposits is received; $75 will be deposited after the second month in which a total of $1,000 or more in Qualifying Direct Deposits is received; $125 will be deposited after the third month in which a total of $1,000 or more in Qualifying Direct Deposits is received. Qualifying Direct Deposits are defined as deposits from an enrolled member’s employer, payroll provider, benefits provider, pension, or the government (such as Social Security) via ACH deposit. External ACH transfers not from employers, verification or trial deposits from financial institutions, peer-to-peer transfers from services such as PayPal, Zelle, Cash App, or Venmo, mobile check deposits, cash loads or deposits, and any deposit which First Service deems to not be legitimate are not Qualifying Direct Deposits. An ACH direct deposit made available early with Early Payday does not count toward the bonus requirements until it posts to your account and is no longer pending (e.g. the pay date scheduled by your payer). Limit $250 in bonus payouts per member.
[2]

Subject to employer and/or payer terms and conditions. First Service will generally post payroll direct deposits on the day they are received, which may be up to two days earlier than the scheduled posting date. Other exceptions may apply.

[3]

To receive a bonus 0.05% incentive rate on a Promotional CD each month, the member must have a total of at least $1,000 direct deposited into a First Service checking account in the last 30 days. Dividends are compounded and credited monthly to the Promotional CD account. CDs may be subject to a penalty for early withdrawal. Fees may reduce earnings. Other restrictions may apply.