To ensure the accuracy and security of all Automated Clearing House (ACH) transactions, POPA Federal Credit Union will require the use of your full 14-digit account number, also known as your MICR number, for all ACH activity starting October 1, 2025.
If your ACH transactions (including direct deposits, bill payments, or automatic withdrawals) are not currently using your 14-digit MICR number, you must update your account information with the originating company or institution before this date.
Some members may currently be using their member number for ACH transactions. While your member number is used for accessing Online Banking, it is different from your 14-digit MICR account number required for ACH payments.
Only your 14-digit MICR number can be used to successfully process ACH transactions.
ACH entries using only a member number will be returned beginning October 1, 2025.
Please ensure that your 14-Digit MICR is accurate. Some members may be using their MICR but notice that their ACH transactions are not being processed. This is mostly due to invalid MICR which means some numbers used may be transposed or incorrect. We encourage you all to verify the MICR to ensure it is accurate. ACH entries with an invalid 14-digit MICR will be returned beginning October 1, 2025.
| MEMBER NUMBER | VS. MICR NUMBER |
|---|---|
| 000 | 81000000000000 |
You can easily find your MICR number using any of the methods below:
1. Online Banking
2. Paper Checks
Any ACH transactions submitted without the 14-digit MICR number after October 1, 2025, will be returned and not processed.
To avoid any disruption in payments such as:
Please ensure your account information is updated with your payment originators.
No Action Needed If...
If you are already using your 14-digit MICR number for all ACH transactions, no further action is required.
Not Using ACH Transactions?
If you do not use ACH transactions, this change will not impact you, and no action is necessary. You may disregard this update.
Need Help?
If you have any questions or need assistance locating your MICR number, our team is here to help.
📞 Call Us: 562-229-9181
📧 Email Us: [email protected]
🏢 Visit Us: Find your nearest POPA Branch
Membership at POPA FCU gives you access to any of our convenient products and services, such as online banking, bill pay, direct deposit, and so much more. You also receive one vote during an election at our annual membership meeting.
