Join Us or Call/Text:
(925) 939-5626
Routing Number: 321178446

Frequently Asked Questions


Kaiperm’s routing number is: 321178446


  • How do I change my address?

    You can change your address from within the Kaiperm CU Mobile App, via mail, fax or in person. If your request is via mail, fax or in person, please utilize this Change of Address form.

  • I’m moving out of the area but would like to continue banking with KCU. Where can I manage my account?

    You can access your account anytime and anywhere using your smartphone, tablet or laptop. Kaiperm Mobile App allows you to check your balance, transfer funds, pay bills and deposit checks to your account using your phone or mobile device in just a few taps. We are happy to offer our members access to over 30,000 fee-free CO-OP ATMs and nearly 5,000 Shared Branching locations. Locate the Shared Branch or CO-OP ATM nearest you.

  • How do I become a member?

    To view member eligibility requirements, please click here.

  • How do I make deposits?

    Deposits can be made at any deposit taking CO-OP ATM, Shared Branching location, by mail, or in our office. To locate the nearest ATM or Shared Branch, please click here. Our Mobile App allows you to deposit a check using your camera-equipped smartphone.

  • How do I set up Direct Deposit?

    To enroll in Direct Deposit, please contact your Human Resources department to file the paperwork necessary to enroll and make sure to use our routing number (321178446) and your account number.


  • How do I sign up for Online Banking?

    To enroll in online banking, click here, then click the link ”Enroll Now” If you have an online account set up, you can login from the main page of our website.

  • What if I forget my Online Banking Password?

    To reset your password, click here then click “Forgot Password”. If you need further assistance, please contact us and one of our member service representatives will be happy to help.

  • How do I sign up for Online Bill Pay?

    When you log-in to Online Banking, click on the Bill Pay link and it will prompt you to sign up for Bill Pay. You must have a checking account with us to sign up for Bill Pay.

  • Why can’t I have Bill Pay through my Savings Account?

    Under federal regulations, Savings accounts are classified as non-transactional accounts. This regulation does not apply to Checking accounts.

  • I’m already signed up for Bill Pay but I have questions about using it.

    When you log into Bill Pay, there is a Live Chat button in the upper right-hand corner or you can call 855-378-9318 to speak with a Bill Pay service representative.

  • What Online Banking Services are available?

    Our Online Banking site offers many services including access to account balances, funds transfers, e-statements, loan payments, bill pay, recurring transfers, text and email alerts, and more!

  • Is there a limit to the amount of transfers I can make each month from my savings account?

    No, there is currently no limit to the number of transfers you can perform.


  • What do I do if my Credit card is lost or has been stolen?

    To report a Lost or Stolen Credit Card, please call 925-939-5626, then select option 3.

  • What do I do if my Debit card is lost or has been stolen?

    To report a Lost or Stolen Debit Card, please call 925-939-5626, then select option 3.

    The Kaiperm CU Mobile App also offers you the control to temporarily lock and unlock your debit card, in addition to setting up transaction alerts.

  • Can I use my account internationally?

    Yes, KCU debit and credit cards work internationally, but you must contact us prior to using your card to activate this feature. Debit cards will only work with a PIN based transaction. The Point of Sale and ATM fee for international usage is up to 1%.

  • I am traveling soon, what do I need to do to ensure that my card works?

    To ensure your debit/credit card will not be blocked during your travel, please Fill out this travel notification form email signed form to: info@kaipermcu.org

  • How do I reset my debit card pin number?

    Call 866-762-0558


  • Can I pay an additional amount towards the principal balance of my loan?

    Yes. Any accrued interest will first be credited to your loan from the additional payment. The remainder of the payment will be applied to your principal balance.


  • Is my money insured at Kaiperm Credit Union?

    Yes, a member’s funds are federally insured through the NCUA (National Credit Union Administration). The NCUA is very similar to the FDIC for banks. Depending on how an account is titled, the account can be eligible for more than $1,000,000 through the NCUA (up to $250,000 per depositor), with IRA coverage of up to $250,000. Click here to download the NCUA’s booklet

  • What is a credit union?

    A credit union is a cooperative, not-for-profit financial institution organized to promote healthy financial practices amongst its members. It is member-owned and controlled through a board of directors elected by the membership. The board serves on a volunteer basis and may hire a management team to run the credit union. The board also establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.


  • Does KCU offer Notary Services?

    We do! Please contact us to set up an appointment to meet with our Notary. Please note that our Notary services are only for credit union documents, and fees may apply.


  • If someone is wiring me money, how long will it take to post to my account?

    If the wire is coming from within the United States, it generally takes a few hours to post to your account.

  • What information do I need to provide for a wire to be sent to me?

    Click here for incoming wire instructions

  • How do I send a wire?

    Outgoing wires require a live signature and must be completed at the branch. Requests received before 1pm will be wired same day.

  • How much are wire transfer fees?

    Wire fees for outgoing domestic wires are $25.00 and for International wires $30.00.


  • What is shared branching and which services can I access through it?

    Shared branching is a National network of credit unions from all over the country that share facilities to give members thousands of convenient locations to perform transactions just as if they were at their home credit union. Services include, deposits, withdrawals, loan payments, statement printing, check cashing, funds transfers and much more. Most general credit union services are offered free of cost but some, such as check printing, are offered at a minimal fee.


  • How do I order checks?

    If ordering checks for the first time, contact the credit union for assistance. To re-order checks, click here.

  • How long are stop payments good for?

    Stop payments are valid for 6 months and can be initiated online or by calling Kaiperm.

  • Can I extend my stop payment past the expiration date?

    Yes, give us a call to extend your stop payment expiration date.

  • What do I do if a check clears my account for the wrong amount?

    Please contact our office at 925-939-5626 and we will verify the problem and adjust your account.

A Safe Place for Your Money

Member deposits are now insured up to $1,000,000

Learn more

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