Can i use my micr number for direct deposit

It’s common for Delta Community members to link their Credit Union accounts, such as a Savings Account to a Checking Account, or to link their Credit Union accounts to other financial institutions or to the U.S. government, such as linking an account with the federal Internal Revenue Service for paying taxes or receiving tax refunds.

If you are linking accounts, be certain you are always using your correct Delta Community Credit Union account information/number.

How to provide the correct account number for Direct Deposit

To make sure you are providing the correct account number, log in to Online Banking and review the My Accounts section:

• Select the account you want to review.
• Click the arrow next to Account Details.
• You can see the type of account and the MICR number. That MICR number is the account number you need to provide for direct deposit.
• If the account number has a (-), you only need to provide the account numbers before the dash; the four numbers after the dash are not needed.

Your Member Number is the same as your Savings Account Number

It’s important to understand that your Delta Community Savings Account number is also your Credit Union Member Number. They are one and the same and unique to each individual member. It’s extremely important to keep this in mind when setting up direct deposit and linking to your Savings Account, either within Delta Community or to other financial institutions.

Please know your funds could be delayed if a member service representative needs to manually correct Checking or Savings Account numbers.

How account number errors happen

Manual intervention to change incorrect numbers usually occurs because of one of two reasons:

1. Either the member’s Checking or Savings Account number has been provided incorrectly (one or more digits may be wrong), or
2. The member has accidentally switched their Savings Account number for their Checking Account number (or the opposite)—for direct deposit.

In either of these situations, the funds are automatically rejected by the account, which causes delays in funds being deposited into members’ accounts. This means paychecks, transfers, reimbursements, refunds, settlements and other types of payments do not go into an account on the expected date.

Please contact us at any time with questions

If you do not have Online Banking and are unsure of your Savings or Checking Account number, please contact our Member Care Center at any time, toll-free at 800-544-3328 for assistance. You may also visit us at a branch; our Locations page has branch addresses and hours of operation, including our newest branches in Woodstock and Chamblee.

Please check in with Delta Community whenever you have a question, and help us help you by contacting us today to either update or confirm your current address, phone, email and beneficiaries’ details, and make certain you are always using the correct account number when linking accounts!

Looking for more free advice?

For more information that may help you manage your money, look into the free Delta Community Financial Education Center webinars on a range of practical, “how to” financial topics. Please visit the Financial Education Center's Events & Seminars page to review and register for its on-demand webinars.

The Credit Union’s blog has more information that is worth checking out, and it has new posts every month, including other information on managing your Delta Community accounts and lifestyle expenses:

The bottom line of every bank check is preprinted with a sequence of numbers and symbols below the memo space and signature line. These numbers and symbols aren't random. Rather, they contain important information that the banking system uses to process checks and transfer funds between accounts according to the instructions written on each check.

In bank parlance, this sequence of numbers and symbols is called a MICR line. Pronounced to rhyme with "snicker," MICR is an abbreviation for magnetic ink character recognition. MICR lines are printed in two special fonts that can be read by machines as well as people, and are used worldwide to enable machines to read checks and reduce check fraud.

What Is a Routing Number?

The first number in the MICR line is called the routing number. This nine-digit number identifies the bank that's associated with the check. The routing number is sometimes called an ABA number – for the American Bankers Association – or routing transfer number.

Banks are issued routing numbers based on the states where they operate. That means a bank in one state will have a different routing number from the same bank in another state. And if your bank merges with another bank, your bank's routing number might change.

Every check that's printed at the same bank in the same state will have the same routing number in the MICR line.

The second number in the MICR line is the account number. This number identifies the checking account that's associated with the check. Every check for that account at that bank will have the same account number.

Account numbers are associated with accounts, not customers. If you had two checking accounts at the same bank in the same state, your checks for your accounts would have the same routing number, but different account numbers printed in their MICR lines.

The third number in the MICR line is the check number in that checkbook for that account. This number should be identical to the check number printed in the check's top right-hand corner.

Where Are the Routing Number and Account Number on Your Check?

(Getty Images)

Some banks may reverse the order of the account and check numbers, putting the check number second and the account number third in the sequence. If the third number in a sequence is longer and more complex than the second number, the two numbers might be reversed.

When Do You Need Your Routing Number and Account Number?

When you write a check, you won't need to pay much attention, if any, to your routing and account numbers. But if you want to make a payment from your checking account without using a check, you'll have to know your routing and account numbers for that account. You might also have to use these numbers to receive funds into your account or transfer funds from your account to another account.

Here are some examples of ways you might use your routing and account numbers:

• Setting up direct deposit of your paycheck or income tax refund.
• Authorizing direct payment of income tax that you owe, quarterly estimated income tax or automated direct payments, such as utility bills.
• Sending or receiving a wire transfer.
• Sending or receiving money internationally.

Where Else Can You Find Your Routing Number and Account Number?

The easiest way to find your routing and account numbers is to look at the bottom of one of your checks. These numbers are also preprinted on the deposit slips that are usually included with your checks.

If you don't have a check or deposit slip handy, here are some other ways you can find this information:

• Call your bank. You'll need to identify yourself to get your account number.
• Go online. Many banks post their routing numbers, by state, on their websites. To get your account number, you'll have to log in to your bank's website or mobile banking app.

Although routing numbers are publicly available, it's not smart to give your routing and account numbers to just anyone. That's because those numbers could be used to deposit illicitly obtained funds into your account, withdraw funds without your permission or use your identity to commit other financial frauds. If you see unauthorized transactions on your account, notify your bank as soon as possible.

Can MICR be used as an account number?

What number do I use for direct deposit?

What is the MICR on my bank account?

Do you need a check number for direct deposit?