If you’re getting a tax refund, we know you want it now. Luckily, the IRS offers direct deposit, so you can have your money sent electronically into your account. In fact, the IRS says 79 million taxpayers used direct deposit to receive their refund in 2011.


The IRS promotes direct deposit as the quickest, safest and most convenient way to receive a refund. Members tell us that they often have their state refund within five days and their federal refund within 10 days of filing. Now that’s fast!


Here’s how to make sure you get your money quickly and easily. When preparing your return, all you have to do is follow the instructions on your return or in your tax software and provide your account number and our routing number. Your personal checks have everything you need to get your tax refund routed directly into your Pacific Service CU checking account.

The Routing/ABA number makes up the first part of the number series at the bottom of your personal checks. Our Routing/ABA number is 121181743. Your account cross-reference number is the next series of numbers following the four leading zeros, in this example, 0000076. You can omit the leading zeros when you provide it to the IRS. The final four numbers are the check number, in this case, 0009, which you won’t need to supply. Your member number is not used for enhanced security when using checks.


To deposit your refund to a savings account, simply provide the Routing/ABA number listed above and your Credit Union member account number, plus a hyphen and the two-digit suffix of the savings account. Your general membership savings account is suffix -00, for example 999999-00. You can find suffix numbers for your other savings accounts on your statement, on BranchLine or by calling us.


You can even split your refund into as many as three checking or savings accounts – even at different institutions. Use IRS Form 8888 Allocation of Refund to make multiple deposits.


For you tech-savvy folks, IRS.gov offers a “Where’s My Refund?” tool and an IRS2Go phone app at the Apple App Store and the Android Marketplace. Your status is available about three days after receiving your e-filed return, or four weeks after mailing a paper return.


If you don’t have personal checks, or you need additional help determining your account number, call a member service representative at (888) 858-6878, ext. 6231. We answer the phone within 30 seconds and we’re happy to help.


Happy Tax Season!


by Michelle, AVP, Operations