Direct deposit is fast & secure, ensuring funds arrive quickly and safely in your America First account. It’s also free for those with supporting employers or payment providers.

You can enroll through online banking, provide the necessary information to your employer, or download, print & submit the forms.

1. Log in to online banking
2. Click Settings
3. Select Forms
4. Choose Direct Deposit Application
5. Click Switch Direct Deposits
6. Follow the user-friendly directions

Our routing/transit number is 324377516. You’ll also need your 12-digit direct deposit (ACH) number to enroll. Here’s how to find it:

1. Log in to online banking. Click on your checking or savings account and unhide the number next to Direct Deposit & Electronic Payment Number (ACH).

2. Find the 12 digits on the bottom of one of your checks.

3. Build it from your account number using the example below.

• Standard enrollment
• Governmental enrollment

If you have any questions about direct deposit, feel free to contact us via secure online banking chat, call 1-800-999-3961, or visit a nearby America First branch.

Need to make a loan payment? It’s not necessary to visit a branch or make a call, because you can transfer funds quickly & securely with America First online and mobile banking. You can also set up recurring transfers so your payments will always be on time.

1. Log in to online banking or use our mobile banking app
2. Select Transfers/payments
3. Click on the account you’re using to make a payment
4. Choose the America First loan that will receive the funds
5. Enter the amount & date
6.  Review and submit

1. Log into AFCU mobile app
2. Tap Transfers & Payments
3. Select Make an External Transfer
4. Select the America First account for depositing
5. Tap "Add a New Account" and Add the other institution’s information, including the routing & account number
6. Enter the transfer amount and date
7. Review and submit

If you’re transferring funds from another institution, you’ll also need the following information:

• Our routing/transit number: 324377516
• Your 12-digit account number, which you can find in online banking by choosing a specific credit card or loan, then click the unhide icon to reveal the full electronic payment (ACH) number.

Any questions? We’re happy to help. Use online banking’s secure chat feature, call 1-800-999-3961, or stop by your local branch.

Want to make deposits from a different financial institution? Or do you need to pay another institution from your America First account?

Here’s how:

1. Log into AFCU mobile app
2. Tap Transfers & Payments
3. Select Make an External Transfer
4. Tap "Add a New Account" and Add the other institution’s information, including the routing & account number
5. Enter transfer amount and date
6. Review and submitReceiving external deposits

1. Log into AFCU mobile app
2. Tap Transfers & Payments
3. Select Make an External Transfer
4. Select the America First account for depositing
5. Tap "Add a New Account" and Add the other institution’s information, including the routing & account number
6. Enter the transfer amount and date
7. Review and submit

Please note that if you haven’t made transactions from an external account, you’ll have to add it to your online banking profile before completing these actions.

For an electronic transfer between America First and another financial institution, you’ll need our routing/transit number—324377516—as well as your 12-digit direct deposit and electronic payment number (ACH).

This number can be found by:

1.  Logging in to online banking. Choose the checking or savings account getting a deposit and click the unhide icon next to Direct Deposit & Electronic Payment Number (ACH).

2. Looking at on the bottom of a check from the intended account.

3. Determining it by using the example below:

If you have questions, please use online banking’s secure chat, call 1-800-999-3961, or visit a branch.

Wire transfers are a fast way to electronically send or receive guaranteed funds. You can pay companies or individuals around the world, transactions are processed quickly, and incoming wires are credited the same day they are received.

Please use caution, as money cannot be reclaimed once it’s sent. You should not make transfers to unknown individuals or unverified accounts.

• Log in to America First online banking
• Click Settings
• Select Forms
• Choose Wire Transfer Request

We will contact you if further verification is required. Visit a branch or call 1-800-999-3961 for more information or to send an international wire.

Please note there is a fee for outgoing wire transfers. For details, see the bank-to-bank fees in our Rate and Fee Schedule or Business Rate and Fee Schedule.

You’ll need to provide the following information to the business or individual sending the wire:

• America First routing/ABA number: 324377516
• Destination financial institution name: America First Credit Union
• Destination financial institution address: P.O. Box 9199, Ogden, UT 84409
• Member’s name (as listed on your account)
• Your account number (eight digits or less)
• Account type: savings, money market, checking, loans, etc.

There is a fee for incoming wire transfers. For details, see the bank-to-bank fees in our Rate and Fee Schedule or Business Rate and Fee Schedule.

America First does not directly receive international wires, so an intermediary institution is required. Most foreign institutions have an intermediary that transfers funds to the U.S. If the foreign institution has an intermediary, request that they use it and provide the following information:

Beneficiary FI/Destination

• Name: America First Credit Union
• Routing/ABA number: 324377516
• Beneficiary account number (eight digits or less)
• Member’s name (as shown on account)

If the foreign institution does not have an intermediary bank, they can use Wells Fargo. Below is the information that will be required to send the funds this way:

Intermediary

• Name: Wells Fargo Bank, N.A.
• Swift code: WFBIUS6S
• Address: 420 Montgomery San Francisco, CA 94104

Beneficiary FI/Destination

• Name: America First Credit Union
• Routing/ABA number: 324377516
• Account number (eight digits or less)
• Member’s name (as shown on account)