Credit Union FAQs

Payroll Deduction/Direct Deposit

Q: What is the difference between direct deposit and payroll deduction?

A: Direct deposit is having your net check deposited directly to your credit union account. Payroll deduction is a specific dollar amount as chosen by you to be deducted from your check each pay period and deposited to your credit union account(s).

Q: How do I increase or decrease my payroll deduction?

A: Simply fill out a direct deposit/payroll deduction form available at Clarity or your payroll department. Most members sign-up for direct deposit/payroll deduction when they open their account but you can sign up for payroll deduction at any time during your membership. You can change your deduction at any time by filling out a new form.

Smartline – 24-Hour Telephone Banking

Q: How do I access the Smartline?

A: In order to access the Smartline, 24-Hour Telephone Banker, you will need your account number and your personal identification number (PIN). Contact a Member Service Representative for a PIN.

Deposit Insurance

Q: Are deposit accounts at Clarity insured?

A: Absolutely. Your deposits are insured through the National Credit Union Administration up to at least $250,000.

Routing Number

Q: What is Clarity's routing number?

A: Our Routing Number is #324173422.

Holiday Hours/Branch Closures

Q: What holidays is the Credit Union closed for?

A: We observe all national holidays. If the holiday falls on a Saturday, we will be closed the preceding Friday in observance. If it falls on a Sunday, we will be closed on the following Monday.

List of all holidays:

  • New Year's Day
  • Martin Luther King Day
  • Presidents' Day
  • Memorial Day
  • Independence Day
  • Labor Day
  • Columbus Day
  • Veterans Day
  • Thanksgiving Day
  • Christmas Eve @ 1:00pm
  • Christmas Day
  • New Year's Eve @ 1:00pm