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Neighborhood Credit Union
Routing #311079270
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Routing #311079270
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Routing #311079270
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Two Day Early Direct Deposit FAQ

Any ACH item sent more than two days before the settlement date provided by sender.  
The item will show pending until it begins to process Once the processing begins it will either post automatically or be listed on the ACH Exception Report. If an account can be located, the item will be redirected for posting by end of day. 
For members, whose account was closed due to fraud or a similar reason but have another open checking account, Neighborhood Credit Union will make every effort to locate other accounts and post the deposits with matching social security numbers and names.  
The deposit will be returned as ‘account closed’ if no other account is located. Typically, when this happens, a paper check will be issued for the member if deposit is issued by government, but the member will need to contact employer for other arrangements.   
The most common reasons for a deposit exception could be due to an invalid account number or MICR number, a Trans Code mismatch, or the account is closed or charged-off. 
This is not something a member or Neighborhood Credit Union employee can “set up”.  It strictly depends on if the member has signed up for direct deposit and if their employers release the funds earlier than the expected pay day. From observation, government deposits are the only items that typically are sent more than two days before settlement date.  
Settlement date is the day in which the sender intends for the funds to be deposited into receiver’s account. This is also the day in which Neighborhood Credit Union receives the funds from the Federal Reserve