With Payroll Deduction, you can make money management easy and convenient.

• You can make loan payments, automatically. Simply designate the amounts of monthly payments that you want deducted from your pay, and your payments are made. Whether it's your Auto Loan, Home Equity Loan, Personal Loan, or any other credit union loan, paying is easy. No late charges. No running to the mail box. No hassle.

• Make deposits – automatically – to your savings accounts and club accounts, build your IRA, make your IRA financial planning easier, and guarantee "no excuses" savings!

With Direct Deposit, your money is available immediately and safely!

Direct Deposit automatically deposits your net paycheck, Social Security or pension check into your Share Draft Checking or Share Savings Account. Managing money is easier with Direct Deposit because:

• Your money is available immediately. As soon as it is deposited in your account, it can be used to pay bills, it can be withdrawn, or it can wait for your next need.
• Your money is safe. You don't have to carry your checkbook or large sums of cash around with you. It is deposited and ready for you.
• You meet government regulations for Federal payments now issued by electronic funds transfer (EFT), also known as Direct Deposit. If you will be receiving veteran's benefits, Social Security, military pensions or salaries, or any other government payment, you'll need Direct Deposit. Check with the agency that issues your check to see what requirements you need to meet (there are some special circumstances that do not require Direct Deposit).
• Your MAD Money ATM Check Card annual fee will be waived when your net pay is directly deposited.

Another convenienece service that APEX is now offering to members is ACH Debit or Credit. Simply complete our ACH authorization form and APEX can debit or credit your account at another institution to make the payment or deposit funds to your credit union account. Payments are re-occuring so there are no checks to write, stamps to purchase or trips to the post office.

ACH Auto DEBIT Authorization Form (Adobe pdf)
Authorize APEX to initiate debit entries from an account at another financial institution.

ACH Auto CREDIT Authorization Form (Adobe pdf)
Authorize APEX  to initiate credit entries from my/our checking/savings accounts to the financial institution.