Why PSECU’s Digital Direct Deposit is the Smart Way to Get Paid

We get it—managing your finances can sometimes feel like a chore. But at PSECU, we’re all about making things simpler for you. That’s why, whether you’re looking to take the headache out of managing your paycheck or just want to earn more rewards, our digital direct deposit service, powered by Pinwheel, is here to help you get the most out of your banking with just a few clicks.

Why Digital Direct Deposit is a Game Changer

Let’s be real—no one enjoys dealing with paperwork. From filling out forms to tracking down signatures, it’s a tedious task that can take up your time and patience. That’s where digital direct deposit comes in. With our direct deposit option, you can set it up digitally and kiss the paperwork goodbye. Your paycheck is automatically transferred into your account as soon as your employer processes it. It’s quick, secure, and, best of all, costs you nothing. Just set it up, and you’ll be able to manage your money how you need from day one.

Need to make adjustments down the road? No problem. Whether it’s weeks, months, or even years after your initial setup, you can easily update your direct deposit preferences at any time. Want to adjust where your money goes or change the amount being deposited? You can manage it all in digital banking with just a few clicks. It’s simple, flexible, and designed to adapt to your life - no matter how much it changes.

How Do We Make This Happen?

That’s where Pinwheel comes in. We’re collaborating with Pinwheel to make your direct deposit setup smooth and simple. They’re connected with over 2 million employers and 1,800 payroll providers nationwide, which means they’ve likely got you covered. Whether you’re starting fresh or switching things up, Pinwheel makes sure your paycheck lands right where you want it.

Setting Up Direct Deposit is a Breeze

We’ve made setting up direct deposit with us as easy as pie. No more paper forms or back-and-forth with HR. Here’s how you do it:

1. Log in to your PSECU account. In digital banking, online or in the mobile app, go to the menu in the top left corner and click Account. Then select Direct Deposit and follow the prompts to start your setup with Pinwheel.
2. Select your employer. You can search for your employer from the Pinwheel database, which has over 2 million options to choose from.
3. Log in securely. Enter your payroll account credentials to securely connect your payroll information with PSECU. Don’t worry, this process is safe. Pinwheel takes security just as seriously as we do. From the moment you enter your payroll details, your information is protected with top-notch security. This step makes sure that your paycheck goes to the right place.
4. Confirm your details. Now, decide where your money should go and how much of your paycheck you want directly deposited (full or partial paycheck) and the share(s) you want your funds deposited to - checking, Regular savings, additional savings, money market, or a combination, whatever works best for you.

And that’s it—you’re all set! Your direct deposit will typically start within one or two pay cycles, depending on your employer’s processing time, and you’ll be on your way to easier banking.

Why Choose Direct Deposit with Us?

Direct deposit isn’t just about getting your paycheck - it's about making your money work for you. Here’s why choosing PSECU’s digital direct deposit is a smart move:

• More rewards. When you add direct deposit with us, your money does more than just land in your account. You open the door to higher member rewards like double debit card rewards¹, increased ATM rebates², and more cash rewards with our Founder’s Rewards Card³.
• Total control of your finances. One of the coolest things about our digital direct deposit service is how flexible it is. Need to split your paycheck between checking and savings? Want to send a portion to your money market account? No problem. You decide how your funds are distributed, making it easy to stay on top of your financial goals.
• Stress-free management. Once your direct deposit is set up, you're in control. Manage, update, or adjust your preferences anytime through digital banking. It’s your money, your way.

Need to Make a Change? No Problem!

Life happens, and sometimes you need to switch things up. Whether you get a new job, want to change where your money goes, or need to adjust the amount being deposited, we’ve got you covered. Just log in to your PSECU account, head to the direct deposit section, and make the updates you need. It’s quick, it’s easy, and it keeps you in control.

Curious About Digital Direct Deposit?

Setting up or managing your direct deposit might bring up some questions, and we’re here to help. Check out some of our frequently asked questions (FAQs) on our direct deposit page that cover everything you need to know - from when to expect your direct deposit funds to be available to what to do if you forget your payroll credentials.

Ready to Make the Switch?

Why wait? Setting up direct deposit with PSECU is free, easy, and full of perks. If you haven’t tried it yet, now’s the time to see how much easier it can make your financial life. For more details, visit our direct deposit page or log in to your PSECU account to get started.

¹You can earn $0.10 cash rewards on eligible purchases of $10 or over with a PSECU checking account and one or more qualifying monthly direct deposit(s) totaling at least $500. You can earn $0.05 cash rewards on eligible purchases of $10 or over for accounts with a PSECU checking account. Certain restrictions may apply. See the Visa^® Debit Card Rewards Program Terms and Conditions for full details.  

²If you use a PSECU debit card at an out-of-network ATM and get charged, we’ll rebate fees on withdrawals up to $20 per month with direct deposit and up to $8 per month without. 

³You can earn 1.5% cash rewards on purchases. You can earn 2.5% cash rewards on purchases if you maintain a PSECU checking account and qualifying monthly direct deposit(s) of at least $500. Some exclusions may apply. See the Visa^® Founder's Card and Visa^® Alumni Rewards Card Rewards Program Terms and Conditions for full details.