Electronic Funds Deposit services makes moving money simple, reliable and secure.

The following services are available to all members free of charge:

Direct Deposit

With Direct Deposit you can have your payroll, retirement, Social Security or other recurring payments electronically deposited into your BCS Community Credit Union accounts at no cost to you. No need to wait in line on your lunch hour, or unnecessary trips to the Post Office for stamps. Convenient, Safe and Simple.


  • IT’S FAST: Your money will be credited to your Credit Union account the day the funds are electronically wired, whether you are sick, on vacation or just too busy.
  • IT’S SAFE: Your check can’t be lost or stolen.
  • IT’S RELIABLE: You’ll still receive a pay stub indicating the amount that has been credited to your Credit Union account.
  • IT’S FEDERALLY INSURED to at least $250,000 by NCUA, a U.S. government agency.

Spread it around with automatic distributions
If you would like your Direct Deposited funds distributed into other sub-accounts (Savings, Loans, Christmas Savings, etc.) at BCSCU, it’s easy to set the distributions yourself.

To setup ACH distributions, please login to It’sMe247 Online Banking, click on the My Account tab, View, ACH Transactions. Then choose your ACH deposit from the list, click Create new distribution and follow the steps.  Distributions can only be set after the first time the deposit is been received.

How Do You Apply for Direct Deposit?
Ask your company’s Human Resources, Payroll Department or payment provider if they offer this service. If so, complete their Direct Deposit process or form. You will need to specify:

  • BCS Community Credit Union’s Routing Number 302075115
  • Your BCSCU account number and suffix (example: 30011234205)
  • Indicate where you want the deposited funds to go – either to regular shares (Savings) or checking  or to your loan.

The Direct Deposit Authorization form must be completed, signed and dated and returned to your employer or payment provider.

Tax Refund Services
Just fill out the information on your income tax forms and your refund will be automatically credited to your Regular Share (Savings) or Checking (Share Draft) Account – usually earlier than the traditional method of refund through the mail.

Payroll Deduction

This service allows members to deposit part of their payroll into one or more of their credit union accounts. Funds can be distributed to different suffixes and to different accounts. You need to contact  your employer to activate this service. Our routing number is 3020 7511 5.

If you need assistance completing this form or have further questions regarding this service, please stop by our office or call a Member Services Representative at (303) 425-6627.

Railroad Retirement

The Railroad Retirement Act is a Federal law that provides retirement and disability annuities for qualified railroad employees, spouse annuities for their wives or husbands, and survivor benefits for the families of deceased employees who were insured under the Act. These benefit programs are administered by the U.S. Railroad Retirement Board. It also administers the Railroad Unemployment Insurance Act and has administrative responsibilities under the Social Security Act for certain benefit payments and railroad workers’ Medicare coverage.

You can obtain detailed benefit information, form, and contact numbers by accessing the Railroad Retirement Board Website.

If you need assistance having your Railroad Retirement Benefits deposited to your BCS Community Credit Union checking or savings account, please contact a Member Services Representative at (303)425-6627.

Automatic Transfer

The Recurring Transfers feature allows you to set up several entries to set up automatic, regular transfer of funds between your accounts. For example, you could use this feature to automatically transfer money from/to a Share Account, Checking Account, or to a loan.

Automatic transfers are easy to set up and maintain yourself.

To setup Automatic Transfers, please login to It’s Me 247 Online Banking, select the “Pay & Transfer” tab, then follow the steps to complete your transfer setup.

As always, please contact our office at 303-425-6627 if you have any questions. You can also send us an e-mail memberservices@bcscu.com.

Authorization Agreement for Preauthorized Payments