Direct Deposit & Withdrawal Information


ROUTING #291975384

When signing up for direct deposit into your account or direct withdrawal from your account, you will need 2 sets of numbers. The first set of numbers is the credit union’s nine digit routing (ABA) number – 291975384. The second set of numbers is your account number. It is very important that you use only your account number as it appears on the upper corner of your monthly statement or on your membership card (not ATM/Debit card). Using any additional numbers will slow the process significantly or even cause the deposit/payment to get returned. If you have any questions, please call either office.

Almost out of checks?

Call us or stop by either office to order more!

We have switched check providers to MainStreet. Online Ordering coming soon!

Overdraft Practices

If funds are not available in your checking account for a transaction, it will automatically transfer funds from your savings account (unless you specify otherwise) in increments of $100. If a transfer is needed, funds will be on hold in the savings account until the transaction is posted to your account and will not be available for other transactions. You can also set it up to transfer funds from club accounts. If funds are not available in your account, the transaction will be declined. To prevent this from happening, the following overdraft options are available:

Standard Overdraft Practices

Opt-In to use our Standard Overdraft Practices here. Standard Overdraft Practices provides you with overdraft services on everyday ATM/debit card transactions. This allows items that would normally be declined due to non-sufficient funds to clear your account.

If you decide to Opt-In:

  • The CU will cover your everyday debit card and ATM transactions up to your overdraft limit (Remember: ATM and POS daily limits also apply)
  • There is no fee to Opt-In to the protection. You will only be charged a fee if your account is overdrawn
  • There is an overdraft fee each time we pay¬ a transaction when you have insufficient funds available.

If you decide not to Opt-In:

  • The CU will not cover your everyday debit/ATM card transactions when there are non-sufficient funds in your account, and your transaction will be declined.

Overdraft Protection Loan

Overdraft Protection Loans are available to be linked to your account*. An overdraft protection loan can pay for expenses so you don’t bounce checks, miss payments, or have your debit card denied. When a charge hits your account and the funds are not available, if there is an overdraft protection loan in place, funds will transfer off the loan to pay the transaction. There is no fee per use of the loan; you just pay interest on the balance of the loan. Interest rate will be determined by credit score. Credit limits differ based on qualification. Monthly payments are due each month there is a balance on the loan, but the payment amount will vary depending on the balance of the loan.

*Approval subject to credit check

Visa Credit Cards & Gift Cards

PFCU offers Visa Credit Cards. Visa credit cards come in a variety of options including cards with 0% introductory rates, no annual fee cards, and cards with cashback or merchandise rewards. We even offer business credit cards. All credit cards provide the flexibility to pay in full or over time. Protection features include emergency card replacement, travel and emergency assistance, extended warranty on purchases, and 24/7 live US-based customer service. Stop in to either office during business hours to apply for a Visa Credit Card.

Gift Cards are the convenient, simple choice for busy shoppers. Whether it's a holiday, birthday, wedding, graduation, or any occasion- a Gift Card is just the trick! Or use them for yourself, in place of a Credit Card! Nervous to use your debit or credit card to make on online purchase? Gift cards are a great alternative to giving your debit/credit card numbers out. Gift Cards are the perfect gift because they're safer than cash, easy to use, and can be used anywhere Visa debit cards are accepted. You decide the amount to purchase from $10 up to $1,000.

*See our Fee Schedule for the current prices

Have You Been Scammed?

Never give your information to anyone. Do not ever give anyone your online banking password or any other information about your account. We will never call you and ask for your personal information. If you believe you have been scammed, please call us right away. There are safeguards we can do to protect your account here.

For more information on scams: The FBI’s page on Scams and Safety is a great resource full of useful information on fraudulent fund activity. Or you can check out the FBI’s main website.

TruStage Insurance

Questions about the Accidental Death & Dismemberment Insurance PFCU provides our members? Visit TruStage’s website or call 1-855-612-7910.

TruStage Insurance also offers Auto, Life, Health, and additional Accidental Death & Dismemberment insurance. Visit their site for more information or call 1-855-752-2317.

Love My Credit Union Rewards

Love My Credit Union Rewards is a program where you, as a member of a credit union, receive exclusive rewards, benefits, and discounts from trusted partners. Receive rewards and discounts on your Sprint phone bill, TurboTax, and TruState Auto and Home Insurance. You can even earn cash back at over 1,500 retailers including Nike, Macy’s, Best Buy, Target, and many more. Visit the Love My Credit Union Rewards site today.

Incoming Wire Instructions

First Credit

Alloya Corporate
184 Shuman Blvd
Naperville, IL
ABA #271987635

Further Credit

Proctor Federal Credit Union
410 2nd Ave
Proctor, MN 55810
ABA #291975384

Final Credit

Print Final Credit Form


  • There is a $10 incoming wire fee
  • Wires must be received by the financial by 4:00pm CT or may be posted the next business day.

Call the Denfeld Branch with any questions.

Current Fees

THIRD PARTY SITE DISCLAIMER - You are leaving Proctor Federal Credit Union website. You are linking to an alternate website not operated by Proctor Federal Credit Union, and Proctor Federal Credit Union is not responsible for the content of the alternate website. The fact that there is a link from Proctor Federal Credit Union website to an alternate website does not constitute endorsement of any product, service, or organization. Proctor Federal Credit Union does not represent either you or the website operator if you enter into a transaction. Privacy and security policies may differ from those practiced by Proctor Federal Credit Union, and you should review the alternate website's policies.

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