Closure notice
We will be closed on Thursday, November 28in observance of Thanksgiving Day.
Remember, you can perform most of your banking business via our mobile app or our 24/7 deposit ATMs (credit union drive-up and Calumet AmericInn)!
We strive to make banking easy for you with direct deposit. Conveniently have your entire paycheck automatically deposited into your credit union checking account on payday! If you receive Social Security or Unemployment, you can sign up for direct deposit on their websites.
To set up a direct deposit, your employer will require our routing number and your account number.
Our routing number is 291172682. You can also view this number on your checks (see red box below).
Your account number includes your member number. If you have personal checks, you can view your account number at the bottom of your checks (see green box below). If you do not have a checkbook to refer to, you can call us at 906-482-5005 or stop by to request assistance with getting your account number. When you set up the direct deposit, be sure to indicate to them whether you want the funds should be deposited into a checking or savings account.
Example: For the check above, the checking account number is 1500002111444.
This is an easy, painless way to pay yourself first and add funds systematically to your savings account.
Money is deducted from your payroll check each payday in the amount you specify. The employer handles the transaction automatically and deposits the funds directly to your account. Your money will be in your account no matter where you are on payday. This way, you don’t have to worry about putting money into your savings, because it’s already done for you!
Note: When a payroll deduction is made, our system bases it on a number assigned to your employer. Because of this, any deposit made by your employer will be subject to the payroll deduction you set up (including non-recurring deposits, like bonuses or reimbursements). Similarly, if your employer’s number changes, the deduction will cease and you will need to update the number with a BFCU employee for it to resume.
There’s no question about it: we’re different but in the best way. We make you and your financial well-being our priority.
700 E. Sharon Ave.,
Houghton, MI 49931
Call or Text: 906.482.5005
Fax: 906.482.2451
Email: info@breakwaterfcu.org
© Copyright 2022 Breakwater Federal Credit Union | Privacy Policy
We will be closed on Thursday, November 28in observance of Thanksgiving Day.
Remember, you can perform most of your banking business via our mobile app or our 24/7 deposit ATMs (credit union drive-up and Calumet AmericInn)!