Automatic Deposit and Payment Information

If you need routing information for automatic deposits or payments – including direct deposit of your tax refund or payment of balances due – you’re in the right place!   We want to make certain that everyone knows the proper routing numbers and  account number format for electronic transactions and ACH (Automated Clearing House) deposits.

If the numbers shown here don’t exactly match numbers you’re already using, there’s no need to panic.  You don’t have to change existing ACH payments and deposits that you have already set up, nor will you need to order new checks.  However, when your current check supply runs out, please make certain to either order your new checks directly from Ripco (you will almost certainly save money as compared to another check vendor) or let us tell you what your new MICR (Magnetic Ink Character Recognition) line should be.

You can help ensure prompt and accurate posting of your payments and deposits if you use the following information when initiating any new ACH withdrawals/payments or direct deposits (including your tax refunds and payments).

Ripco Credit Union’s Routing number:  291580711

Checking Account numbers – for ALL accounts
(originating in BOTH Rhinelander and Eagle River)

  • For accounts opened as Ripco accounts:

Your checking account number for electronic and ACH transactions will now be 14 digits long (the same as the MICR code which will be found on all new check orders).  This enhanced format is needed for electronic processing purposes only, and will not affect the number/login you use for online banking.
The enhanced/electronic format will start with “1” and will be immediately followed by as many zeroes as are needed to create 14 digits when preceding the account number, account type and check digit.
For example: An original Ripco account number 1111-045 would have a new MICR line reading 1000001111045X. It will start with a one, then five zeroes, then the “1111” member account number, the “045 indicating the checking account type, and the “X” which represents your check digit. The “X” will be a number between 0 and 9, and may not be the same check digit as you had prior to the new format.

  • For accounts opened as Nicolet Credit Union accounts:

Your checking account number for electronic and ACH transactions will be 14 digits long (the same as the MICR code which will be found on all new check orders).  This enhanced format is needed for electronic processing purposes only, and will not affect the number/login you use for online banking.
The enhanced/electronic format will start with “100” and will be immediately followed by your new 7-digit Ripco account number, your Ripco account type and check digit.  Your new Ripco account numbers all start with a “4” followed by as many zeroes as are needed to create a seven-digit number.  This seven-digit number is the same as your initial username for online banking login purposes.
For example: An original Eagle River account number of 1818-8 (checking account type 70) would have a new Ripco Account number of 4018188 and a MICR line reading 1004018188047X. In this example, we have the leading “100” followed by your seven-digit Ripco account number “4018188” followed by your checking account type “047” followed by “X” which represents your check digit. The “X” will be a number between 0 and 9.