Direct Deposit

Direct Deposit

If you receive a regular recurring payment like a paycheck, Social Security check, retirement payment, etc., chances are likely you qualify for direct deposit and your check can be deposited automatically to your account.

With PCU Lightning Pay direct deposit, you know that your check will be in your account hassle-free the day of payment.

Lightning Pay is our way of depositing your paycheck – or other direct deposits – up to two days early! This gives you early access to your money and more flexibility with your budget.

Helpful Tips

The Direct Deposit Enrollment Form is used to have your paycheck directly deposited into your account. The Direct Deposit Sign-Up Form is used to have Government Agencies (Social Security, etc) benefits directly deposited into your account.
If you would like to have the funds deposited to your Share account, give the PCU routing number (211287515) and your member number.
If you would like to have the funds deposited into your checking, give the PCU routing number (211287515) and your MICR number (You will find this 12 digit number at the bottom of your checks beginning with 700). If you don’t have checks, please call 207-282-4156 to find out what your MICR number is and we will be happy to assist you
Setup your direct deposit today by calling, emailing info@peopleschoiceme.org or stop by any branch.

Learn more about Social Security direct deposit

Lightning Pay

Lightning Pay is an innovative way of applying payroll direct deposits that allows members to get early access to their payroll funds. This feature will allow members who are paid by direct deposit to their PCU account(s) to receive their payroll funds up to 2 calendar days ahead of their scheduled payday.

In addition to payroll direct deposits, Lightning Pay will also apply to all other electronic deposits.

Lightning Pay – Member FAQs

Financial institutions are notified of forthcoming electronic deposits before we receive them; instead of waiting for the funds to arrive, PCU gives our members their money sooner by advancing payroll, and any other electronic deposits, as soon as we are notified that they are on the way – up to 2 days early.

ALL members who have their payroll and any other electronic payments direct deposited to PCU accounts will automatically benefit from Enhanced Direct Deposit, no matter where you work or who your employer is.

No. Lightning Pay will automatically be applied to any PCU member with payroll direct deposit, and any other electronic deposits, into a PCU share account, including checking and savings.

No. The day that you are paid by your employer remains the same. PCU simply advances your payroll funds so that you will be able to access them up to 2 days before your scheduled payday. This is strictly a service that is provided by PCU for PCU members; this is not a service that your employer provides or is in any way affiliated with.

Please note: While PCU will try wherever possible to advance payroll direct deposits by up to 2 days availability of funds ahead of the original scheduled pay date is not guaranteed. PCU members should not rely on Lightning Pay to satisfy the needs of scheduled bill or loan payments, or any other date-sensitive financial obligations.

No, Lightning Pay advances the electronic deposit of payroll funds only and does not apply to checks. Any applicable standard check holds will still apply. To set up direct deposit of payroll funds to your PCU account and take advantage of this Enhanced Direct Deposit feature, simply provide your payroll department with PCU’s routing number (211287515) and your 12-digit account (MICR) number that appears at the bottom of your checks.

For additional assistance, contact us at 207-282-4156 or visit any branch location.

PeoplesChoice Checking with SpendShield has it all.

A FREE checking account with no monthly fees, the lowest overdraft fees in Maine, and a safety net when you need it most. With PeoplesChoice Checking, you’re guaranteed the flexibility and freedom you need to keep your cash in check. Features like free mobile banking, direct deposit, and more get you what you want, when you need it.

Open Your Account

Direct Deposit

Helpful Tips

Lightning Pay

Lightning Pay – Member FAQs

How does Lightning Pay work?

When will I get my money?

Which members will have access Lightning Pay?

Do I have to opt-in to this service?

Will there be a fee for this service?

Does this mean that my payday has changed?

Will I be able to access my payroll funds any sooner if I am currently being paid by check?

PeoplesChoice Checking with SpendShield has it all.