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Payday Just Got Easier

Download Direct Deposit Form
Young woman receives direct deposit notification on her phone while walking outdoors.

Payday Comes Early

With Direct Deposit, you get paid up to two days earlier!

  • No waiting on your employer to cut a check
  • No standing in line to cash or deposit your check
  • No worrying your check could get stolen

To set up direct deposit, fill out the Direct Deposit Form with your account information and our routing number (264279567).

Download Direct Deposit Form

Your Paycheck Deposits Faster and More Securely

Direct Deposit makes payday even better. Your check is deposited securely with no paper or in-person visits. Set up direct deposit to skip the checks and the line, and help payday come early.

Dollar Bills

Get Paid Sooner

Your pay processes up to two days faster with Direct Deposit than with a paper check. You don’t have to come in to a bank or submit a signature.

Check

Protect Your Check

Intercepted checks are a common cause of identity theft and fraud. With Direct Deposit, your check is secure, completely digital, and safe.

Checkmark

Protect the Environment

Paperless Direct Deposit helps reduce the environmental impact of your payday. Make the environment, and your bank account, a little greener.

Real-Time Account Alerts5

Set up Account Alerts to notify you when your direct deposit hits your account. Account Alerts are the best way to stay up to date on all your account activity.

Customize how you want to get notified. Choose email, text, or push notifications.

Login to Setup Alerts

Maximize Your Money

Explore more tools and features that make it easier to save, spend, and stay connected to your account.

Debit or Credit Card

Spend and Earn Rewards

Use your KTVAECU® Debit Card for everyday purchases and earn uChoose Rewards points 3 redeemable for cash, gift cards, travel, and more.

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Pay with Your Digital Wallet

Add your debit or credit card to your Digital Wallet for quick, secure payments from your device.

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Save Automatically with Certificate Accounts

Grow your savings over time with automatic deposits starting at just $25.004.

Compare Certificate Accounts
Notice

Stay Updated with Account Alerts

Get notified2 about direct deposits and other account activity by email, text, or push notification.

Learn More About Mobile Banking

Direct Deposit FAQs

Find answers to common questions about Direct Deposit.
Contact Us

Direct deposit are not instant. These transactions may take up to 2 business days to reach your account.

When your employer sends your pay, it moves through several steps before it reaches you.
Employer -> Employer Financial Institution -> The Federal Reserve -> KTVAECU ->Your Account

We post direct deposit up to two business days early if we receive them in time. Direct deposit and electronic transactions are not processed on weekends or on federal holidays.

In online banking, on the upper-right hand side of the screen, you will see an option for Alerts. Set an alert to let you know once your deposit is posted.

Yes, direct deposit is very safe as the money is sent through a secure, encrypted electronic network.

Let’s Get Started

Download and complete the Direct Deposit form or contact us for more information.

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Download Direct Deposit Form
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Disclosures

  1. Early access to funds depends on timing of payer’s submission of deposits. We generally post such deposits on the day they are received, which may be up to two days earlier than the payer’s scheduled payment date.

  2. Some restrictions may apply. Ask for details. Message and data rates may apply from your wireless carrier. Ask for details.

  3. Debit cards must be used as “CREDIT” to earn rewards. CREDIT transactions will not earn rewards when processed on a debit network; KTVAECU assumes no liability for transactions processed by the merchant on a debit network. The minimum uChoose Rewards points to redeem for business & consumer credit cards is 1,000 points; the minimum for consumer debit cards is 2,500 points. Not valid on KTVAECU business debit cards. Available to qualifying Members. Some restrictions may apply. Ask for details. uChoose Rewards is a registered trademark of Fiserv, Inc. Business debit cards do not qualify for uChoose Rewards points.

  4. APY = Annual Percentage Yield. APY effective as of October 6, 2026. Some restrictions may apply. All rates and offerings are subject to change. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Certificate Accounts with maturities of seventeen (17) months or less have a penalty for early withdrawal of an amount equal to ninety (90) days dividends. Certificate Accounts with maturities of eighteen (18) months or more have a penalty for early withdrawal of an amount equal to 180 days dividends. Dividends can be added back to the account, transferred to another Knoxville TVA Employees Credit Union account, or mailed to you each month. Annual Percentage Yield applies when the dividend is reinvested in the account. Certificate Accounts (other than Educational Savings) can be designated as an Individual Retirement Account (IRA) or Health Savings Account (HSA). Talk to a financial advisor regarding individual scenarios. Any certificate account with new money of $10,000.00 may add 0.10% APY to the dividend rate featured above. With an active direct deposit, add 0.25% to current dividend rate. Ask for details.