Direct Deposit Instant Deposit

Members have the option to instantly deposit most direct deposited funds.

Instant Deposit is available now. Log in to Online Banking or Mobile Banking. Go to: My Accounts>ACH Transactions and select Instant Deposit.

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Instant Deposit Policy:

  • Instant Deposit is defined as early access to funds pending in direct deposit.
  • There will be a $10 fee per instant deposit. (The $10 must be in the account and available.  It cannot come from the deposit.)
  • This fee only applies to Instant Deposit and does NOT apply to regularly scheduled deposits.
  • No checking account required. 
  • Direct deposit and earlier availability of funds are subject to the timing of the payer’s funding, and credit union approval. Total Community Credit Union cannot guarantee a payer’s funds will be available for Instant Pay since all electronic (ACH) payments do not qualify.
  • This cannot be set up to happen on a recurring basis. Instant Deposit service needs to be requested each time you would like to take advantage of it.
  • Instant Deposit is available in online banking, mobile banking or with a credit union representative.