When setting up a direct deposit or an automatic payment, you will need to provide a 13-digit account number.  Please follow the following steps to ensure your account is properly credited or debited:

  • Orlando Credit Union uses a 13-digit account number, also referred to as ACH/MICR number. Your member number is contained within this 13-digit account number.
  • Where can I find this number:
    • Your account number can be found in the MICR line on the bottom of your checks.
    • You can "create" your account number by doing the following:
      • Deposit account numbers begin with a 1, loan numbers begin with a 2.
      • Next, add the account ID which can be found on your statements or in online banking. 
      • Then, add zeros (0) and your member number (3 to 7 digits) to equal 10 digits.


For example:

Share ID=00 and your member number 123456 then your ACH/MICR number will be 1000000123456

Share ID=01 and your member number 1234567 then your ACH/MICR number will be 1010001234567