Have all, or part of your paycheck transferred automatically into the Credit Union. Have Social Security or other recurring retirement benefits transferred, too. You avoid payday check cashing lines and rush hour traffic because there's no need to make an in-person deposit on the busiest days. You'll save money because Direct Deposit or Payroll Deduction combined with its companion services costs less than similar packages from banks.

Choose Direct Deposit for Total Convenience

With Direct Deposit your net paycheck is transferred automatically to the Credit Union. There's no chance of your checks being lost or stolen before they're deposited. Your money is much safer! Ask your payroll supervisor at your workplace if Direct Deposit is available. If it is, ask them to begin transferring your paychecks to the Credit Union via Direct Deposit. To begin, they will need the the Credit Union's ABA Routing number which is:

• 324377192

If you receive Social Security, you can have your benefits transferred automatically into to the Credit Union using Direct Deposit. Most other recurring retirement benefits can be transferred, too. Besides saving a trip to cash or deposit your check in person, it's much safer since your payments won't be lying at home in an unprotected mailbox. Your money will be deposited into the Credit Union, without delay, where it will be safe and sound.

To authorize Direct Deposit of Social Security to the Credit Union, call Social Security, toll free at:

• 1-800-772-1213
• Monday through Friday, 7am to 7pm local time.

Social Security also needs the Credit Union's ABA routing number: 324377192

Payroll Deduction is Like Partial Direct Deposit

If you only want a portion of your paycheck transferred into the Credit Union (so you still get a paycheck for the balance) use Payroll Deduction. To arrange Payroll Deduction and designate how you want the money handled once it reaches the Credit Union, contact any Credit Union associate.

Combine Direct Deposit or Payroll Deduction with their Handy Companion Services...Use Everything the Credit Union Has to Offer In Concert!

Earmark part of your Direct Deposit or Payroll Deduction for Share Savings and an IRA. It's the sure way to build your savings' nest eggs. Have Loan payments made too, automatically! Automatic payments through Direct Deposit or Payroll Deduction is a convenient way to guarantee that your payments are made on time, each and every month.

You'll also want to combine Direct Deposit or Payroll Deduction with Checking, ATM Access, VISA, Telephone Teller, and the Credit Union's Web Teller. Use all the Credit Union's services.

Checking: With automatic deposits made into Checking, you're ready for shopping and bill paying without making an in-person deposit first.

Visa Debit Card: Use your Visa Debit Card like a plastic check anywhere around the world Visa is accepted (use your Checking Account funds at places which would never accept a personal check). Use it at POS (Point of Sale) terminals too. Buy groceries, gas and more without delays for I.D. and check approval. Get cash back at most POS terminals also.

ATMs: Use any Credit Union ATM 24 hours a day, 7 days a week at no charge for instant cash withdrawals. Make transfers and inquiries, too. Besides the Credit Union's own ATMs, use any Plus, Cirrus, CO-OP, or Star ATM. CO-OP and the Credit Union's ATMs are available for members' use with no fees whatsoever.

Telephone Teller: Call anytime, from any touch tone phone. By pressing the keys in proper sequence, you can make account transfers, inquiries and loan payments. You can even request a withdrawal by check.

Web Teller: Direct Deposit and Payroll Deduction puts money into the Credit Union for you effortlessly. The Web Teller lets you pay bills, manage your money and perform practically all of your personal financial transactions by using any PC or laptop with access to the World Wide Web. Access your USU Charter Credit Union anytime and from almost anywhere.

Contact Us to Authorize Payroll Deduction, to Change Your Payroll Deduction Allocations, or to Apply for a Credit Union Checking Account.

To Apply online for a VISA Debit Card with ATM Access, go to the VISA Card and Credit Line Application.