Online Banking Services | CU SoCal (2024)

FAQs

What time does direct deposit hit Credit Union of Southern California? ›

If your direct deposit is a paycheck from your employer, the direct deposit time can depend on how your employer sets it up. Typically, a direct deposit would go through on the business day before or after your payday. At Credit Union of Southern California (CU SoCal), we make opening a checking account easy!

Call our toll-free, automated service 24/7 at 800.249. 2328 to check balances, transfer funds, or make payments.

One way to find your account number is to look at the series of numbers on the bottom of your check. Still having trouble finding your account number? Give us a call at 866.287. 6225.

The routing number for CU SoCal is 322283796.

Why is my direct deposit late? If your payday falls on a weekend or Federal Holiday, your direct deposit could be delayed. Other reasons for a delay could be related to the electronic transfer system by either the payer or your bank.

What time of day does direct deposit hit? Usually, you'll have access to your direct deposit at the opening of business on your payday — by 9 a.m. In many cases, direct deposits hit accounts even earlier, often between midnight and 6 a.m. on payday morning.

You can get a current view of your finances by visiting the bank's website or mobile app. An ATM visit, phone call or bank statement are other convenient ways to check your balance. If you prefer to speak with someone in person, you also have the option of talking to a bank teller.

Generally, credit unions are viewed as safer than banks, although deposits at both types of financial institutions are usually insured at the same dollar amounts. The FDIC insures deposits at most banks, and the NCUA insures deposits at most credit unions.

What are credit unions and how do they work? Credit unions, including the Credit Union of Southern California (CU SoCal), are not for profit organizations that are financial cooperatives owned by their Members.

What is a MICR account number? ›

Your MICR number is the long number located at the bottom of your checks and is used for setting up direct deposits and automatic withdrawals from your accounts. This is not the same as your account number.

Financial Security

We are highly capitalized, with a net worth ratio of 9.66%, which well exceeds regulatory requirements for well capitalized credit unions.

Before you can set up a credit union account online, you need to establish your membership. This is as simple as stating the reason you qualify. It's worth mentioning that if you don't immediately qualify for your preferred institution, you could still meet their requirements with minimal effort.

Credit Union of Southern California (CU SoCal) Members can use Zelle® through the CU SoCal Mobile Banking App.

Banks are typically for-profit entities owned by shareholders who expect to earn dividends. Credit unions, on the other hand, are not-for-profit, member-owned cooperatives that are committed to the financial success of the individuals, families, and communities they serve.

Standard deposit times

Most recipients can expect their direct deposits to be available by 9 a.m. on payday, with many banks allowing funds to be released between midnight and 6 a.m. If your bank allows for the funds to be released sooner, you'll see them then.

Providing the same safety and security of traditional “on time” direct deposit, early direct deposit services release your paycheck into your account as soon as it is received by your bank or credit union, so you don't have to wait for your regularly scheduled payday. That means you can get paid up to two days earlier!

Funds depos- ited on a business day before 4:00 p.m. Eastern time through our Mobile Banking Service will be considered deposited on that day.

The role of business days and holidays

If you deposit cash, that money goes directly to your account and will be ready for you to use immediately. But for checks and other items that might need verification (to protect you and the bank), the money usually won't be available until the next business day.