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In Observance of Presidents' Day all MCU branches, and our contact center will be closed Monday, February 19.

NYMCU Digital Banking & the Mobile App will remain available.



Direct Deposit & Payroll Deduction

Get Your Money Early.

Enjoy two safe and easy ways to deposit your paycheck, pension, Social Security, or any other recurring income—automatically!


How to Get Started

Setting up Direct Deposit or Payroll Deduction with MCU is quick and easy, saving you time and stress down the road. Here’s what you need to do to get started.

Bedford Center Nursing & Rehab (The Allure Group)

Brookdale Medical Center

Cooperative Home Care Associates

Crown Heights Nursing & Rehab (The Allure Group)

CUNY Employees

Department of Corrections

Department of Education

Department of Sanitation

Hamilton Park Nursing & Rehab (The Allure Group)

Harlem Center Nursing & Rehab (The Allure Group)

Health & Hospital

King David Nursing & Rehab (The Allure Group)

Human Resource Administration (HRA)

Linden Center Nursing & Rehab (The Allure Group)

New York Police Department (NYPD)

NYC Parks Department

NY Presbyterian Hospital

NY State Employees

Services for the Underserved

Silvercrest Nursing Home

Not able to find your employer?

No worries. Just take the following information to your employer to get the process started.

Routing Number: MCU’s Routing Number (also known as the ABA Number) is 226078036

Account Number: Your Account Number can be located:

  1. On the bottom of your check book (if you request one)
  2. Within Digital banking account # is listed under Account Details of each product.
  3. On your statements next to each account.

Save Time and Energy by Automating Deposits.

No more waiting in line at the bank each payday—MCU makes it easy to grow your savings and manage your money effortlessly with Automatic Transfer and Direct Deposit.

What is Direct Deposit?

Direct Deposit is a convenient and secure method that enables employees to have their entire paycheck deposited directly into their bank account. By eliminating the need for physical checks or cash, this electronic transfer ensures a seamless and efficient process for receiving earnings. Non-city employees will also have the flexibility to choose between depositing the full amount or only a partial portion of their earnings.


What is Payroll Deduction?

Payroll Deduction is used for city employees when they do not want to have their entire check deposited into MCU. Unlike Direct Deposit, it allows employees to specify a specific amount to be deducted from their paycheck. This flexible option lets them allocate funds for savings, investments, loan repayments, or other purposes. They can easily adjust the deduction amount, providing them with enhanced financial planning abilities.


Make the Most of Your MCU Membership.

Membership in our community is about more than just banking. As an MCU member, you can access valuable information and resources to help you plan and reach your financial goals.

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Get Answers to Our Most Frequently Asked Questions.

What’s the difference between ‘available balance’ and ‘total balance’?

Your total balance is the amount of money held in your account. Your available balance may be higher or lower than your total balance and includes all pending transactions.

Where can I find my Routing and Account Number?

Both are listed on the bottom of your MCU personal checks. Please see the diagram below for reference:




* Overdraft Protection is a loan (subject to credit approval), the terms of which are set forth in the Overdraft Protection Line of Credit Agreement.

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