Direct Deposit

Convenience. Safety. Reliability.

Direct Deposit gives you the convenience, safety and reliability of having your paycheck, social security, pension or other government payments deposited automatically into your share or share draft account. Ask your payroll department representative about setting up Direct Deposit or contact us if you have additional questions.

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

To direct deposit funds to your Y-12 FCU account:

  • Enter Y-12 Federal Credit Union’s Routing Number: 264281432

  • Enter your checking or savings Y-12FCU 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).

direct deposit check example

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

Please contact our Member Service Center at 865-482-1043 or 1-800-482-1043 with any questions you may have.  You may also email us at

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