FDIC-Insured - Backed by the full faith and credit of the U.S. Government

ROUTING #: 321170596
415-456-6231 Hours & Locations Sign-In

Direct Deposit

Get Paid the Easy Way

Set up direct deposit and enjoy faster access to your money—now with Early Pay!
A woman is using a tap to pay function on her phone tied to her Simply Free Checking Account
Access your Simply Free Checking Account from your phone through our Mobile App

The Everyday Benefits of Direct Deposit

Faster, safer banking

Fast & Reliable
No more waiting in line or worrying about mail delays. Funds are automatically deposited on time.

Safe & Secure
Reduces the risk of lost or stolen checks and keeps your information protected.

Effortless Access
Check your balance and manage funds anytime through online and mobile banking.

Early Pay Eligible
Get paid up to 2 days early on qualifying ACH deposits like payroll and benefits—automatically*.

Environmentally Friendly
Skip the paper check. It’s better for you and the planet.

How Early Pay Works and What to Know

Your payday just got a head start
What account information do I need to set up direct deposit?

  • • Your account number where you’d like the funds deposited
  • • Type of account (Checking, Savings, or Money Market)
  • • First Federal’s routing number: 321170596

Please visit your local branch if your employer requires a voided check.

How does Early Pay work?
Once your direct deposit is set up, First Federal will post eligible ACH direct deposits up to two days early. These may include:

  • • Payroll deposits
  • • Government or state benefits and pensions
  • • Military pay

Early Pay is free and automatic for First Federal customers—no enrollment needed.

Not eligible for Early Pay:

  • • Web or online payments (e.g., PayPal®, Venmo®)
  • • International deposits (IAT)
  • • Business Corporate Credits (CCD)
  • • Payments exceeding $7,500

Early pay is only available to consumer accounts for account holders 18 and over.

Will I always get paid 2 days early with Early Pay?
We’ll post eligible deposits early when possible, but timing depends on when your employer sends the payment. Factors that may affect timing include:

  • • Employer’s payroll processing schedules
  • • Federal holidays
  • • Changes in employment
  • • Customer account status

Your employer’s official pay day does not change. Direct deposits are not trackable in real time—we can only post them after we receive the payment file.

Early Pay may provide access to eligible direct deposits up to two days before the pay day established by the income provider. Direct deposit must be established by the customer and approved by the customer’s income provider. Eligible deposits include payroll, government or state benefits and pensions, and military pay. WEB, international payments, business corporate credits, or other payment types are not eligible. Deposits exceeding $7,500 are not eligible for Early Pay. Service is provided solely as a customer benefit and is not guaranteed. Certain restrictions may apply.

You are now leaving First Federal of San Rafael

First Federal of San Rafael provides links to web sites of other organizations in order to provide visitors with certain information. Once you link to another web site not maintained by First Federal Savings & Loan Association of San Rafael, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.

You will be redirected to

Click the link above to continue or CANCEL