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Early Direct Deposit

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Early Direct Deposit is here! That means less time spent waiting for your hard-earned money to be available in your Rivermark checking or savings account. You'll get paid as soon as the funds from your direct deposit are available…the same day they're received by the credit union!* Direct Deposit will save you time and provide you with peace of mind knowing that your money is safely deposited – even if you’re sick or on vacation.


  • Get paid up to two days sooner when you have Direct Deposit*
  • Early Direct Deposit is a free benefit of Rivermark Checking and Savings accounts
  • All direct deposits qualify, including tax refunds, military pay, Social Security benefits, and more

Get Started Today

Please fill out this form and give to your employer. In one or two paydays your money will be automatically deposited to your accounts.

What Numbers Do I Need?

You will need our routing number and your ACH/Account number for Direct Deposit.  Rivermark's routing number is 323076012. There are two ways you can find your Rivermark ACH/Acccount number (see below).

* Electronic deposits may be available up to two business days early depending on timing of the payment file from the payer.

Finding Your ACH/Account Number

Option 1. Within Online Banking:

  1. Log in to Online Banking.
  2. Click on your account name in the My Accounts dashboard.
  3. Click Account Details on the left side of the page.
  4. You will find your ACH number in the Account Details dropdown.

Direct Deposit with Online Banking

Option 2. On Your Checks

You can also find your ACH number listed on your checks. 


Direct Deposit on Checks


How does Early Direct Deposit work?
Financial institutions are notified of forthcoming electronic deposits before they actually receive the money. Instead of waiting for the funds to arrive like most banks, Rivermark gives members their money sooner by advancing payroll and other electronic deposits as soon as we are notified that they are on their way. Your payer must provide payment details on time, so the deposit can process early. If your deposit doesn't arrive early, expect it to arrive on your scheduled payday.

If I already have direct deposit at Rivermark do I need to do anything?
No. Early access to funds will apply to any Rivermark member payroll direct deposit or other electronic deposit.

Am I guaranteed to get my paycheck early?
There is no guarantee. It's dependent on when your payer provides payment details. If your deposit doesn't arrive early, expect it to arrive on your scheduled payday.

If my Direct Deposit shows pending, what time will they be available?
Direct Deposits will no longer show pending. Once the Deposit is in the account transaction history the funds are available.

Is there a fee?
No, there is no fee. Early Direct Deposit is free for all Rivermark members as a benefit of our checking and savings accounts.