Provided that your place-of-employment offers Direct Deposit, you may have your paycheck (less taxes and other deductions) automatically transmitted to your City of Boston Credit Union Account. The Direct Deposit program is an easy way to make sure your pay is deposited into your account promptly, hassle-free.

The Direct Deposit Program may also be used for Social Security and other benefit/pension checks. This is in light of the January 1999 federal law that requires all individuals receiving US Government checks to start having their payments directly deposited. However, City of Boston Credit Union's Direct Deposit program is not mandatory.

Although Direct Deposit of federal payments is strictly voluntary, it remains the best payment method in terms of security and convenience. Contact us today to get your Direct Deposit started!

As an added bonus, members with Direct Deposit of their payroll check into a City of Boston Credit Union Checking account receive free ATM withdrawals at all CBCU ATMs and surcharge-free SUM Program ATMs. ATMs owned by institutions not on the SUM Program may impose their own surcharge. 

Find Surcharge-Free ATMs

To Change or Initiate Direct Deposit

Contact your Employer Payroll Department to get their direct deposit form. Some employer forms are available at the Credit Union. For the routing and transit number, use 211080822 followed by your member number. Include the account name where funds will be deposited into. For example, choose to deposit to main share savings (123456-01), share draft/Now checking (123456-40), or Money Market (123456-45) then write the account name next to your choice.

City of Boston Credit Union's Routing Number is 211080822.

For more information please call Member Service at (781) 828-1444.

Get Paid Early

All City of Boston Credit Union members with a recurring Direct Deposit of payroll, retirement, Social Security or other recurring income may have access to their funds up to two days early.  

  • This no cost benefit from CBCU allows members with Direct Deposit faster access to funds*
  • No need to sign up, this is an automatic benefit 

Please note members with automatic transfers set up to loan payments and savings accounts will initiate when funds are received to the Credit Union.  If you have pre-set transfers for a specific day of the week, those transfers will remain set for that day.

* Receipt of immediate credit of your direct deposit to your City of Boston Credit Union account up to two (2) business days early is based upon when we receive your payroll from your employer.  City of Boston Credit Union assumes no liability for depositing these funds to your account early.