Direct Deposit

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

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

Now with Lightning Pay!

Lightning Pay is a new way of applying payroll direct deposits that allows members to get early access to their payroll funds.

Get Started

The PeoplesChoice Direct Deposit Enrollment form can be easily downloaded by clicking on the button below. It even comes with instructions and some tips to make the set up simple. And remember, if there is any thing you have a question with we encourage you to pick up the phone and call a Member Service Representative at any of our convenient offices, you can find the numbers in the footer of this page.

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 them our routing number (211287515) and your member number. If you would like to have the funds deposited into your checking, give them our routing number (211287515) and your micro number (This is the number that you will find 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 micro number is and we will be happy to assist you!

Lightning Pay

Lightning Pay is a new way of applying payroll direct deposits that allows members to get early access to their payroll funds. This new 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.

PeoplesChoice is the only Maine financial institution offering this member benefit!

Lightning Pay – Member FAQs

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.