An ACH, or automated clearing house, transfer is an electronic money transfer between credit unions and banks that allows money to be pulled from an account or to be “pushed” online to accounts or banks.

An ACH transfer is one of the main ways to send or receive money online.  ACH Transfers account for the online bill payments (I PAY) and make the direct deposits you receive, along with other transfers.  

Types of HCCU’s ACH transfers

HCCU’s ACH transfers are processed in two ways

  • ACH debit transactions involve money getting “pulled” from an account. When you set up a recurring bill payment (I Pay), for example, the company you’re paying can pull what it’s owed from your account each month.

  • ACH credit transactions are when money is deposited into your account from another company or person (i.e. Direct Deposit)

Directions for setting up an ACH at HCCU

  • You will need Hayward Community Credit Union’s Routing Number 291880495 and your personal account number (5 or 6 digit number uniquely attached to your account.  

  • Specify if you are having the ACH go to your Checking or Savings account.  Bill payments (I Pay) can only come from your checking account.  

  • For Direct Deposits from your employer ensure you fill out the entire form your employer provides and specify which account you want to have it deposited in or a percentage in.

Routing Number