RushCard routing number and account number information is essential for anyone setting up direct deposit, receiving tax refunds, or linking their RushCard to payroll systems. As a prepaid debit card user for over a decade and a legal template specialist who has helped thousands of clients set up direct deposits correctly, I’ve seen countless people struggle with incorrect routing or account numbers – often costing them days of delayed payments. In this comprehensive guide, I’ll give you the exact RushCard routing number for direct deposit in 2025, explain how the account number works, provide direct deposit times, and – most importantly – offer you a free downloadable direct deposit form template pre-filled with the correct RushCard details so you never have to worry about mistakes again.
Disclaimer: This article is for informational purposes only and does not constitute legal or financial advice. Always consult a licensed professional or contact RushCard directly for your specific situation.
The current RushCard routing number for direct deposit is 021407912. This number belongs to Metropolitan Commercial Bank (Member FDIC), the partner bank that powers RushCard prepaid accounts through the Visa network.
Your individual RushCard account number is NOT the 16-digit number printed on the front of your card. For direct deposit and ACH purposes, RushCard uses a separate internal account number that is 13 to 17 digits long (most commonly 15 digits). You can find your correct direct deposit account number by:
Source: Confirmed via official RushCard member agreement and Metropolitan Commercial Bank partnership as of November 2025.
In my years drafting payroll and direct deposit documents, I’ve seen IRS refunds rejected, stimulus payments delayed, and payroll deposits returned – all because users accidentally entered their 16-digit card number instead of the actual ACH account number. Using the correct RushCard routing number and account number ensures:
Typical RushCard direct deposit times in 2025:
| Deposit Type | Typical Posting Time |
|---|---|
| Federal tax refunds (IRS) | 1-3 business days after IRS release date |
| Government benefits (SSI, SSDI, VA) | Up to 3 days early (often same day as official payment date) |
| Payroll / Employer direct deposit | Up to 2 days early (depends on employer) |
| Stimulus or child tax credit payments | Same day or 1 day after Treasury release |
RushCard is well-known for offering “early direct deposit” – one of the reasons millions still choose it despite the monthly fees.
After helping clients fill out hundreds of these forms manually, I created a professional, attorney-drafted free RushCard direct deposit template that you can download, customize with your personal account number, and hand to HR or print for the IRS.
Click Here to Download Your Free RushCard Direct Deposit Form (PDF)
The template includes:
Log in → Direct Deposit → “Get Form” or “Account Info”. Do NOT use the card number on the front.
Most employers send a $0.01 test deposit. Confirm it appears in your RushCard account within 1-3 business days.
Is the RushCard routing number still 021407912 in 2025?
Yes – this has remained unchanged for several years through the partnership with Metropolitan Commercial Bank.
Can I use RushCard for IRS tax refunds?
Absolutely. The IRS accepts RushCard as long as you provide routing number 021407912 and the correct internal account number (not the card number).
Why does my Rush Card account number look different from my card?
Prepaid cards use separate internal ACH account numbers for compliance and security reasons.
Does RushCard still offer early direct deposit?
Yes – up to 2 days early for payroll and many government benefits.
Setting up direct deposit with the correct RushCard routing number and account number is one of the simplest ways to get your money faster and avoid fees at check-cashing stores. With the free template above, you can complete the process in under five minutes and never worry about delays again.
Download the template today, double-check your personal account number in the RushCard app, and start enjoying faster payments tomorrow.
Download Free RushCard Direct Deposit Template Now
Written by a U.S. attorney and business template expert with over 10 years helping prepaid card users set up direct deposit correctly. Last updated November 2025.