Direct Deposit You may authorize your paycheck to be automatically deposited electronically to your account through ACH (Automated Clearing House). Make automatic deposits to savings or checking accounts without it getting lost in the mail your having to makde a special trip to a branch or ATM. Simply write a short note to your employer's Payroll Department (or person responsible for payroll) and state the following: Dear ____________, I am authorizing (insert the company name here) to Direct Deposit my paycheck to Spectrum Federal Credit Union, ABA/Routing/Transit # 321075866. My Spectrum FCU member number is # (insert your Spectrum FCU member number). Please credit my Spectrum FCU Checking Account (or Spectrum Savings Account, you choose which one). Sincerely, (your signature and below that your name neatly printed) IMPORTANT NOTE: Did you know that with Direct Deposit, you may open Spectrum's Direct Checking Account - free of monthly service fees - ?Click here for free Direct Checking Account information.