Direct Deposit
Access Your Money Faster With Direct Deposit
Everyone loves to get paid, but no one likes the hassle of having to deposit a check. With direct deposit, your funds are transferred straight into your checking or savings account, giving you access to your cash the very same day.
And, direct deposit is not just for your paycheck. You can set it up for almost any regularly occurring payment that you receive, including:
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Social Security checks
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Pension checks
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Annuities payments
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Dividend checks
Now there’s no need for an anxious wait for your check in the mail or the inconvenience of having to collect payments in person.
Click below to get started setting up your direct deposit today.
Argent Credit Union Direct Deposit Benefits
Get Paid Sooner
Access your paycheck or benefits up to two days early*, so your money’s ready when you need it.
Simplify Payday
Skip the trip to the branch and let your deposits happen automatically, every time.
Keeps Funds Safe
Your money goes straight to your account, reducing the risk of lost or stolen checks.
Enjoy It Free
Setting up direct deposit costs nothing, no hidden fees, no extra steps.
Sign Up for Direct Deposit Today!
Signing up for a direct deposit is quick and easy:
- Complete a Direct Deposit Enrollment form online or on paper.
- Give the completed form to your employer or payer. Submit the form online banking or our mobile app, in person, or by email, fax, or mail.
- Keep an eye on your account. It might be 1-2 pay periods before you see your first direct deposit.
Setting Up Direct Deposit Using Your Payer’s Form
If your employer or payer prefers you complete their own direct deposit form, that’s easy too. You’ll just need to provide them with the following information, which you can also find on our enrollment form:
- Argent CU routing number: 251082233
- Address: P.O. Box 72, Chesterfield, VA 23831
- Your Argent account number
You may also need to provide a voided check.
If you’re ready to enjoy the speed, safety, and reliability of direct deposit but still have some questions, click below or give us a call at (804) 748-9488 or (800) 943-3328. We’re here to help!
The Wait is Over!
Get a head start on life by gaining access to the deposit amount you’re owed up to 2 days sooner*.
Now there’s no need to wait to pay bills, make loan payments, or go shopping for groceries. Plus, you’ll have the peace of mind of knowing your payment is being made securely, month after month.
Don’t have direct deposit yet? Click below to get started!
Credit Union Direct Deposit FAQs
How does direct deposit work?
A direct deposit allows regular transactions to be made as automated clearing house (ACH) electronic payments taken directly from a payer’s account and deposited directly into your account. There is no need to issue a check.
How do I sign up for direct deposit?
You can sign up for a direct deposit by completing a separate enrollment form for each payer. Forms can be completed online or mailed to any of our branches.
What accounts are eligible for direct deposit?
Direct deposits can be paid into Argent checking or savings accounts.
Is direct deposit free?
Yes, our direct deposit services are provided free of charge.
When will my money be available after setting up direct deposit?
It may take 1-2 payment cycles for your direct deposit to be fully set up. Your money will be available on the same business day that your payment is processed.
How am I able to get paid up to two days sooner?
We often receive a message up to two days before a direct deposit that is on its way. When this happens, we will reduce the extra processing time, and you will have your money posted to your account and available for your use.
Will the direct deposit always arrive two days early?
Not always. Several things may impact the timing:
- You recently signed up
- There’s a payroll system issue from your payer
- You have reached the transaction limit or the monthly dollar deposit limit for the month
Early direct deposits also depend on timing. If the deposit doesn’t arrive early, you can expect it to arrive on your scheduled payday.
Who is eligible to set up a direct deposit?
To set up a direct deposit, you must be an Argent Credit Union member with a checking account or savings account. You can become a member and open an account if you:
- Live, work, attend school, worship, or volunteer in the Counties of Chesterfield, Henrico, Hanover, and the City of Richmond, or are an immediate family member or housemate of an eligible individual
- Are at least 18 years of age
- Are a U.S. Citizen or U.S. Resident Alien
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