Feel Good Banking

Do you want to set up direct deposit or electronic funds transfers from your checking account?  It is simple and safe to initiate debits or credits to and from your checking account.  Electronic debits process through the ACH (Automated Clearing House) system.   The Automated Clearing House is a secure payment transfer system that connects all financial institutions in the United States.  

There are many ways to make EFTs.  For example, you can perform telephone originated funds transfers, web initiated funds transfers, and PPD transfers (PPD means prearranged payments and deposits).  Telephone and web initiated funds transfers are generally for setting up one time or recurring payments to a mortgage, utility company, credit card company or anyone else that accepts that sort of payments.  PPD payments are for making one time or recurring mortgage payments, loan payments, payments to an insurance company, etc.   

Direct deposit is a convenience for both you and your employer.  Your employer doesn’t have to deal with writing checks , and your funds are available immediately after the bank has processed the daily ACH transactions (usually by 8:30 a.m.). 

There are laws and banking regulations that protect consumers from unauthorized electronic funds transfers.  It is important to check your statement monthly to make sure that the electronic funds transfers that post to your account are for the correct amounts and on the correct dates.  If any transfers have occurred that you don’t recognize or have posted to your account too early, or if there are any other errors, you must contact the bank immediately so we can get the errors corrected.  (You have sixty days from the date you received the statement to dispute an electronic funds transfer).  Please see the example below for the bank routing number and the location of your account number on your check.  Feel free to call us if you have any questions. 

Please click here to view a representation of a check that shows which numbers to use, and where they are located.



The USA PATRIOT Act requires all financial institutions to obtain, verify and record information that identifies each person who opens an account or changes an existing account.