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Direct Deposit

& Early Payday

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Direct Deposit and Early Payday

Get your paycheck up to 2 days early with direct deposit*

Get paid up to two days early when you set up direct deposit — the free service that automatically deposits your paycheck into your Ideal Checking Account.

  • Receive your paycheck up to two days early
  • Reduce the risk of mail fraud or identity theft

No more waiting to receive your well-earned money

Direct Deposit allows you to skip the process a typical paycheck goes through before you receive it. With all of that out of the way, Ideal CU is able to make your money available as soon as it's ready, which is typically up to two days earlier than your traditional payday.

Apply for Direct Deposit

Setting up Direct Deposit is simple. All you need to do is download and fill out the below form and give it to your employer's payroll department for processing. You'll be enjoying easy and early access to your income in no time!

Download form


*Actual availability based on when Ideal CU receives funds.

2020 - 21 Holiday Hours

Martin Luther King, Jr. Day

Monday, January 20th
All locations closed.


President's Day
Monday, February 17th
All locations closed.


Good Friday
Friday, April 10th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Memorial Day
Monday, May 25th
All locations closed.


Independence Day
Saturday, July 4th
All locations closed.


Labor Day
Monday, September 7th
All locations closed.


Columbus Day
Monday, October 12th
All locations closed.


Veterans Day
Wednesday, November 11th
All locations closed


Thanksgiving Day
Thursday, November 26th
All locations closed.


Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Christmas Eve
Thursday, December 24th
All locations open until 1:00 p.m.
Lobby - 9:00 a.m. to 1:00 p.m.
Drive-thru - 9:00 a.m. to 1:00 p.m.


Christmas Day
Friday, December 25th
All locations closed.


New Year's Eve
Thursday, December 31
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


New Years Day (2021)
Friday, January 1st
All locations closed

Credit Unions are considered essential services within Governor Tim Walz "Stay at Home" order.

Ideal Credit Union's drive-thru services will remain open. All branch lobbies are closed until further notice. Learn More