ithinkfi Direct Deposit

What you need

To set up direct deposit you need two numbers: the ithinkfi routing number 267077627 and your personal ithinkfi account number.

The routing number 267077627 identifies ithinkfi on the ACH network, and your account number identifies your specific checking or savings account. Both are listed together in online banking under Account Details, and the routing number also appears on every ithinkfi statement and in the mobile app.

You may also need a completed direct deposit authorization form from your employer or payer. Some employers accept the numbers alone, while others want the form signed. ithinkfi can provide a prefilled direct deposit form on request, and customer service is available at 800-873-5100 if you need help locating your account number.

How to set it up

Direct deposit setup takes about 10 minutes: give your employer the ithinkfi routing number 267077627 and your account number, then verify with a small test deposit.

Most employers process the change within one or two pay cycles. You can set up direct deposit for paychecks, Social Security benefits, tax refunds, and pension payments using the same two numbers.

1. Collect your numbers

   Sign in to ithinkfi online banking and copy the routing number 267077627 and your account number from Account Details.

2. Get the form

   Download your employer's direct deposit form or use the form provided in ithinkfi online banking.

3. Enter the details

   Fill in the routing number, account number, and account type, and sign the authorization if required.

4. Submit to your payer

   Return the form to your employer, benefit provider, or tax agency through their normal process.

5. Verify with the first payment

   Watch for a test deposit or the first regular payment in your ithinkfi account and confirm the amount matches.

Direct deposit timing

ithinkfi posts direct deposits as soon as they are received, and eligible payroll deposits can arrive up to 2 days before your scheduled payday.

Timing depends on when your employer sends the payment file. Employers that transmit payroll ahead of payday let ithinkfi credit the funds early, which is how members receive paychecks up to 2 days in advance. Social Security and other federal payments follow the Treasury's posting schedule and typically arrive on the scheduled date.

If your payday falls on a weekend or federal holiday, the deposit usually posts on the previous business day. You can see pending and posted deposits in the mobile app, and balance alerts can notify you the moment the money arrives.

Splitting your paycheck

You can split your paycheck between checking and savings automatically by giving your employer allocation instructions or by using ithinkfi automatic transfers.

Many payroll systems support splitting a deposit by flat dollar amount or percentage. A common setup directs a fixed amount, such as $100, to savings and the remainder to checking. If your employer does not support splits, ithinkfi automatic transfers can move a set amount from checking to savings on payday instead.

• Fixed dollar split, such as $100 to savings per pay period
• Percentage split, such as 10% of net pay to savings
• Automatic payday transfer set up inside ithinkfi online banking
• Separate deposits to a share certificate for larger savings goals

Troubleshooting delayed deposits

If a deposit has not arrived, first confirm the routing number 267077627 and your account number with your payer, then call ithinkfi at 800-873-5100.

The most common cause of a delayed deposit is a transposed digit in the account number, followed by the employer missing its own payroll transmission deadline. A test deposit is the fastest way to confirm the details are correct before the first full paycheck.

1. Check the numbers

   Confirm with your payer that the routing number is 267077627 and the account number matches your statement.

2. Confirm the transmission

   Ask your employer or benefit provider which date the payment file was sent.

3. Review your account

   Check pending transactions in ithinkfi online banking; early deposits can appear a day before the standard date.

4. Call ithinkfi

   If the payer confirms transmission and the deposit still has not posted, call customer service at 800-873-5100 for a trace.