For direct deposit into your checking account, please use the account number and routing number as found on the bottom of your checks. Employers often request a voided check to verify your account information.



For direct deposit into your savings account, you will need to provide your member account number and the Congressional Federal routing number, which is 254074345. Your member account number can be located in the upper right of the screen of Online Banking.

Note: If  you do not have checks or your employer requires a signed form from the credit union to establish direct deposit, please contact Member Services at  800.491.2328 (Toll free), 703.934.8300 (Local), or email@CongressionalFCU.org.

Congressional will post your direct deposit by 9:00 am on the date specified by your payroll office.

To maintain an open account, we require that you maintain a minimum balance of $5.00 in your savings account.

We may hold a portion of the funds for a variety of reasons including deposits made by Check, ATM and Shared Branch, pre-authorization transactions through your debit card, or for delinquency situations. You may find additional information about the hold by clicking on the available funds link next to your accounts on the home screen or by contacting our call center.

Incoming wires are posted to your account free of charge.

Surcharge free ATMs may be found:

- On the web by using our ATM locator or by navigating to the 24-Hour Access menu item on www.congressionalfcu.org and then selecting “ATM and Branch locations.”
- From the convenience of your mobile phone by using Mobile Banking or by sending a text message to 91989.

Congressional Financial GPS is a Personal Finance Management tool that can be accessed through Online Banking from the Main Menu. With Congressional Financial GPS, you will be able to track your spending and better understand your spending habits while creating monthly budgets.

Please fill out an Account Change Form and return using the contact information located on the bottom of the form. Proof of the change such as an updated driver’s license or marriage certificate will be required.

In Online Banking, select your checking account from the Home screen. You will find a link to Order Checks under the detail section of the screen.

Our routing number is 254074345.

By Mail:
Deposits up to $25,000.00 can be made at any given time. The physical check should be dropped in the mail the following day. Up to $200 will be released the business day following the initial eDeposit. If applicable, an additional $2,500.00 will be released two business days following the initial eDeposit. The remaining funds are released upon receipt of the physical check.

You may mail the check to PO Box 3735 Merrifield, VA 22116-3725.

By Scanner:
Deposits up to $25,000.00 can be made at any given time. Up to $200 will be released the business day following the initial eDeposit. If applicable, an additional $5,000.00 will be released two business days following the initial eDeposit. The remaining funds are released on the third business day. The physical check does not need to be mailed when using this method.

By Mobile Banking:
Deposits up to $25,000.00 can be made at any given time. Up to $200 will be released the business day following the initial eDeposit. If applicable, an additional $5,000.00 will be released two business days following the initial eDeposit. The remaining funds are released on the third business day. The physical check does not need to be mailed when using this method.

To delete a payee in the Bill Pay system, simply select the "Manage My Bills" tab at the top of the screen, then choose the payee in the drop-down that you wish to delete. There will be an option to delete the bill selected at the bottom left side of your screen.

Select “Bill Pay” from the Main Menu, then select “Payees.” Click add payee and then select “individual”. Select the “Try it now” link under “Want this payment to arrive even faster? If you have a few account details for the recipient, this payment can be automatically delivered to their account.” This will allow you to enter an account number and routing number so the payment can be sent electronically.

To modify a payee's address in the Bill Pay system, select the "Manage My Bills" tab at the top of the Bill Pay system, then choose the payee in the drop-down whose address you wish to update. Once the payee is selected, you may choose the option "Change bill info" to continue with the address modification.

There are 3 ways that payments can be processed:

Electronic - Pays via an ACH debit (electronic debit) and the payment will credit on the "pay date." Funds are debited immediately once the payment is sent.

Single Check - Payment amount is deducted from the checking account on the day the payment is sent. Those funds are then converted into a check and the check is mailed to the payee from our payment processing center.

Draft Check - The payment is sent to the payee in the form of a check (drawn off your checking account). The payment will debit your account when the payee cashes the check, and the payment will debit your account when the payee posts the payment to your account.

In order to set up transfers to an account at another institution, enter the following information when setting up a payee in bill pay:

Payee: Always the name of the bank. Ex: First Federal Bank
Payee Category: Description of your choice. Ex: Checking
Address: Use the deposit address of the bank.
Phone: Use the customer/member service number of the bank.
Name on Account: The name on the account at the bank. Ex: John Jones
Billing Account No: Account number at the bank.
Payee Nickname: Easy-to-remember name for the transfer account. Ex: Mom’s Checking

Under the "Payment Center" tab on the Bill Pay system, there is a box at the bottom right of your screen that will show all pending payments that are currently set up. To modify a pending payment, simply click on "Change" underneath the scheduled payment.

Select Bill Pay from the Main Menu, then select “Payment Activity.” Scroll down to “Processed Payments” and click “Inquire” on the right-hand side. Additionally, you may register inquiries by phone at 800-615-4266.

In Online Banking click on “Edocuments,” then “ Check Images.” Or, from within your checking history, simply click on the check number and it will take you directly to the image. If you are attempting to research an issue concerning one of your payments, you do not have to do anything at all. Simply open an inquiry on the processed payment and we’ll do the rest for you!

A stop payment can be placed on item by speaking with a representative of our member service department. Our member service can be reached by calling 800-491-2328, option 7.

If there is an issue with a payment, an inquiry can also be opened - this is a free service. An inquiry does take several days to resolve.

Scheduling payments in Bill Pay to pay your Congressional Federal VISA will not work. The best way to make these payments is to transfer the money from your account using the Transfer Money option on the Main Menu of Online Banking.

The Pay My Bill feature allows you to pay your Congressional Federal VISA using funds from another financial institution.

When paying your Congressional Federal VISA from an account at Congressional Federal, use the “Transfer Money” option on the Main Menu of Online Banking.

Electing the overdraft transfer service is a great way to protect your checking account and cover funds that exceed your balance. You may select any of your savings accounts to cover your checking. At this time, you are not able to use your credit card to provide overdraft protection.

If you plan on using your VISA credit card or VISA debit card while traveling, please contact our call center representatives and provide travel dates and destinations. They can be reached at 800-491-2328, option 3.

If your loan is approved, one of our loan advisors will contact you with additional details. If your loan is not approved, you will receive additional details in the mail.

Loan payments may be completed using money from your Congressional Federal accounts through an account transfer. Select “Manage Money” and “Conduct Transfers" from the Main Menu in Online Banking.

To make your payments from an outside account, please complete the Transfer Authorization form.

To make payments over the phone, please contact our call center M-F 8:00am - 6:00pm. Our call center number is 800-491-2328.

To make payments in person, visit one of our five branch locations or one of our Shared Branch locations.

Members who have earned over $10.00 in dividends during the year can download a copy of their 1099 by selecting “eDocuments” and then “eForms” from the Main Menu in Online Banking.

Members who have paid over $600.00 in interest during the year can download a copy of their 1098 by selecting “eDocuments” and then “eForms” from the Main Menu in Online Banking.