Get Paid Up to 2 Days Early

You can get paid up to 2 days early when you set up direct deposit — and it's free.

Direct deposit funds to your Y-12 FCU account

  • Enter Y-12 Credit Union’s Routing Number: 264281432
  • Enter your Y-12 FCU checking or savings  account number. 
    • For a deposit to checking, use the account number at the bottom center of your personal checks, including any leading zeros (the set of numbers after the routing number).
    • In addition, you can find your account numbers within Online Banking on the Account Info page for each account. Just click on the drop down next to View Account Information, select the account you need, and use the MICR number. 

Your checking account isn't with us? No problem! Use our ClickSwitch to move your checking account from another financial institution.

You may contact our Member Engagement Center with any questions you have at 865-482-1043, 1-800-482-1043, or

Please note: Failure to use the correct account information for direct deposit may delay or prevent the deposit of your funds.



*With Early Pay, we may make incoming electronic direct deposits made through the Automated Clearing House (ACH) available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early Pay. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Whether we make funds available early depends on when we receive the payor’s payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Available for personal accounts only. 
Eligible direct deposits are limited to electronic direct deposits of items such as your payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) to your personal account. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services (e.g., Zelle®, Venmo, or PayPal transfers), FedNow, Real-Time Payments (RTP), check or mobile deposits, and other online transfers or electronic credits are not eligible for Early Pay.