Direct Deposit Switch

Direct deposit is a fast, secure way to deposit paychecks, government checks such as tax refunds or Social Security benefits, or other funds such as annuities and dividend payments. In most cases, you will have immediate access to these funds, and since Citadel offers early direct deposit, you'll receive your funds up to 2 days early.*

• If you are setting up a direct deposit for your paycheck from your employer, they may provide either a paper or online form for you to fill out.
• Instructions on setting up direct deposits from the U.S. government, such as tax refunds, military benefits, or Social Security checks, are available at GoDirect.gov.
• You may also supply this information to your tax preparation professional for tax refunds.
• Your financial advisor or planner may need this information to set up direct deposit payments and distributions from retirement accounts.

How to set up direct deposit in Online Banking:

You can set up or adjust your direct deposit in Online & Mobile Banking using our partner, Pinwheel, to connect to your payroll account. Here's how it works:

• Log in to Online & Mobile Banking
• Select the account you want to receive your direct deposits in from the accounts list
• Select 'Manage Direct Deposit', and follow the Pinwheel prompts

Don’t Have Online Banking?

Enroll here. Or, simply provide your Citadel account & routing information to your employer's payroll administrator using our direct deposit form here.

Where to find your account & routing information:

Here's How:

1. Select the account you want to receive your direct deposits from the account lists menu. Please note: Certificates are non-transactional accounts and cannot receive direct deposits.
2. Look for the ACH(EFT) number on the Account Details tile (desktop) or the Details tab (mobile).

Please note: It may take one or two pay or benefit periods before direct deposit is activated for your account. You can sign up for automatic alerts to let you know when your deposit is available.

What is a qualifying direct deposit?

A qualifying direct deposit is defined as a recurring amount electronically deposited directly into an account from:

• Payroll
• Pension
• Social Security
• Government benefits
• Other regular income

Internal or external transfers from one account to another, mobile deposits, and deposits made at a banking location, ATM, or through Online & Mobile Banking do not qualify as a direct deposit.

You can switch any amount of your paycheck to Citadel and adjust your deposit allocations any time in Online & Mobile Banking.

No, the direct deposit manager tool in Citadel’s Online & Mobile Banking communicates directly with your payroll provider or employer.

No, switching your direct deposit with Citadel is available to our members at no cost in Online & Mobile Banking.

You can set up your direct deposit in minutes using Citadel’s Online & Mobile Banking.

It most cases it will only take 1 or 2 pay cycles for your direct deposit to switch.

Most times when an error occurs it is due to a break in the connection or accessibility with the payroll provider. In case of an error, it is best to contact the employee's payroll department.

In most cases we can match your information to your payroll provider. In some scenarios you may need the username and password for your payroll provider.

Yes. Social Security is not pre-matched in Pinwheel, but you can still make adjustments using your Social Security Administration log in credentials.

Unfortunately Pensions and annuities are generally not supported in the direct deposit manager tool in Online & Mobile Banking.

Yes, as long as your employer is a Pinwheel partner, and you are established in their payroll system. If you have trouble connecting to your payroll via Pinwheel in Online & Mobile Banking, you can also provide your Citadel account & routing information to your employer's payroll administrator using our direct deposit form which can be found here.

Citadel gives you access to your eligible direct deposits up to 2 days early! It’s just another benefit of being a member that can help you stay on top of your finances.

No, there is no cost to you for this service. It is a benefit Citadel provides when you set up direct deposit.

Once you set up direct deposit with your Citadel account, you’ll automatically receive your eligible direct deposits up to 2 days early! No extra enrollment is needed.

You can set up alerts in Online & Mobile Banking to notify you whenever you receive a direct deposit.

Early direct deposit availability may vary. Our ability to provide early direct deposit depends on when we receive your deposits from your employer or payor.