• No lost or stolen checks
• No waiting for government checks in the mail
• Get a 0.50% rate discount on an Auto Loan with a Direct Deposit of $400 or more to Island Checking (some restrictions apply)
• Same-day access to your money through Online Banking, NiftiCard^®, ATMs, and NiftiPhone^®
• Automatically grow your savings when you direct at least part of your pay to savings

Getting Started
Follow these 3 easy steps to set up free Direct Deposit:

1. Gather your account information. You will need to provide the type of account (checking, savings, or money market account), your account number, and North Island Credit Union's routing number of 322281468.
    
2. Contact whoever issues your checks and find out if they offer direct deposit. If so, ask if they can accept a credit union's direct deposit form. If the answer is yes, download these simple forms and follow the instructions:
    
   • Request/Change Direct Deposit from Employer 
   • Request/Change Direct Deposit from Government Agency 
     After completing Sections 1 and 2, bring the form to a North Island branch and ask that a representative fill out Section 3. Then return the form to the appropriate government agency.
   
   If your employer or government agency does not accept a credit union's direct deposit form, ask if they have a form and use that to get started.
   
   Online Setup
   You can also visit www.godirect.gov to set up Direct Deposit of your Social Security, Supplementary Security Income (SSI) or other federal benefits (new enrollments only).
    
3. Monitor your account. It may be one or two months before Direct Deposits go into effect.

Have questions? Find a branch |  Call (800) 848-5654