Direct Deposit or Pre-Authorized Payment Authorization

Direct deposit is a convenient, fast, and secure way to receive your payroll or other deposits directly into your chequing account.

Pre-authorized payments are a convenient way to automatically pay your bills from your chequing account based on a schedule you set up with your vendors.

Find instructions below to access the information required to arrange for direct deposits or pre-authorized payments to/from your account with KCCU.

The process to deposit your cheque is simple, and usually takes less than a minute or two.

Instructions to locate Direct Deposit or Pre-Authorized Debit (PAD) Form in Online Banking

Log into MemberDirect® Online Banking

From the main menu, select the account you would like to credit to for direct deposit credit or debit from for pre-authorized debit (your chequing or savings account).

Select the link to the Direct Deposit or Pre-Authorized Debit (PAD) form which will appear as indicated below. Note that it may take a few seconds to appear after selecting your account.

Click on the form in your download folder to view, print or save. As the form contains personal information and your banking details, we recommend that you only provide the information to your payroll department or vendor in a secure manner.


If you do not have online banking access, please use the Deposit or Pre-Authorized Payment Form found on our website and contact us  for your account number details.  We will be required to identify you prior to providing any account information.

Canada Revenue Agency (CRA) has made it easier for Canadians to sign up for its direct deposit service or change their existing account information by creating an enrollment process that can be accessed through most Canadian financial institutions.  Direct deposit is a convenient and secure way to receive your payments from the Government of Canada. Use the links below to learn about the different ways you can enrol to receive one or more payments by direct deposit or to update the banking information you already have on file.

Learn More about Government of Canada Direct Deposit

CRA Direct Deposit Q & A 

If you are an employee of KHSC Kingston Health Sciences Centre, you can take advantage of their Payroll Savings Plan.  Payroll savings allows a certain portion of our pay to be automatically deposited into your accounts at KCCU each pay period.  The funds are deposited among your accounts, loans, or investments in any fashion you like.  This is a great and painless way to repay a loan, save for emergencies, Christmas, your children’s education, or your retirement.  Automatic is the best and easiest way to save.  Pay yourself first with a payroll savings plan!  To sign up, visit your payroll department or contact us directly and start saving today!

Learn more about KHSC Payroll Deduction Services 

  • Only share your personal and banking information with those intended parties and in a secure manner.  
  • After you sign up for direct deposit or preauthorized payments, verify your payments by checking your statement to ensure payments are going in/out as expected.  
  • You can confirm that a payment was sent by the CRA by logging into CRA My Account.
  • KCCU or the CRA will never send you an email, text or e-transfer with a link asking for your personal information to receive your benefit payment or refund. These are scams.  Do not respond to these fraudulent communications or click on any of the links provided.
  • Direct deposit helps reduce the risk of mail fraud and delays caused by a postal disruption.

A third party is an individual or entity, other than the account holder or those authorized to give instructions about the account, who directs what happens with the account. For example, if an account were opened in one individual’s name for deposits that are directed by someone else, the other person or entity would be a third party.

  • A secondary piece of identification from the primary list above
  • Canadian Birth Certificate
  • Credit Card bearing the name and signature of the individual which has issued by a well-known and reputable Canadian financial institution
  • A CNIB (Canadian Institute for the Blind) client card bearing the individual’s photo and signature
  • Provincial Outdoors Card
  • Canadian University or College Student Card with photo (for student identification only)
  • An employee identification card (with photo) issued by an employer that is well known in the community (i.e. KGH, DND, Queens University, Corrections Canada, etc.)
  • Foreign passport
  • Canadian Passport
  • Permanent resident card
  • Citizenship card (issued prior to 2012)
  • Secure Certificate of Indian Status issued by the Government of Canada
  • Driver’s licenses issued by province or territory
  • The DND (Department of National Defense) 404 driver’s license
  • Nexus Card issued by Canada Border Services Agency
  • Provincial Service Cards
  • Provincial or territorial identity cards (i.e. Ontario Photo Identification Card)
  • Foreign Passport (only if it is equivalent to a Canadian issued photo identification document)