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Direct Deposit (ACH) Q&A

Q.     What is an ACH transaction?

A.     ACH stands for Automated Clearing House and is an electronic movement of funds from one party to another.

Q.     How is an ACH transaction initiated?

A.     Once an agreement between the Originator (sender) and account holder (receiver) has been made an electronic request is generated and transmitted to the credit union.

Q.    What do I need to start a direct deposit/direct payment?

A.    Most companies will have a form designed for their specific needs. If a written form is required and not provided a generic format is available for your use. Please come in or contact our phone center to have form completed for you. You can reach us at 541-884-1376 or 800-570-0265.

Q.     What is the Routing Number for Pacific Crest FCU?

A.    The Routing number for all of Pacific Crest FCU branches is 323274704.

Q.    Where do I find my checking account number?

A.    You can find your checking account number on both your monthly statements and on the bottom of your checks. Please see diagram below.

Q.    I want the transfer to post to my savings account. What number do I use?

A.    For transfers to and from your savings accounts indicate/select “Savings” and use the membership number as the account number. The membership number can be found at the top of your monthly statement. Please see below for example.

Please note:  Pacific Crest FCU savings accounts are classified as “Non-Transaction Accounts”. This means under the Federal Reserve Board Regulation D no more than six (6) pre-authorized, automatic, telephone transfers, withdrawal, check, draft or debit card transactions may be made from this share (savings) account to another account or to a third party in any month. If you exceed these limitations, your account may be subject to a fee or item returned unpaid.

Q.     What if I don’t recognize the party debiting or crediting my account?

A.    Contact the Credit Union right away if you are unsure of an item that has cleared/posted to your account. We may be able to provide you with additional information about the transfer and in most instances a contact phone number. Often times the party showing on your account history is a 3rd party hired to process the electronic payments for a business, so it is recommended to contact the sender to ensure an item is not disputed by mistake.

Q.    I have determined the item that cleared my account is fraudulent or unauthorized. What do I do now?

A.    Contact a representative of Pacific Crest FCU directly with details of the transaction(s) you believe to be unauthorized. If reported within sixty (60) calendar days of posting date a Written Statement of Unauthorized Debit will need to be completed and then the item can be returned to sender and account recredited. You can reach a Pacific Crest representative by phone at 800-570-0265 or 541-884-1376. If item is past the sixty (60) days, the dispute will need to be resolved directly with the sender of entry or through legal system.