With Early Pay, you could receive your paycheck up to two days early!
Early Pay is a free service that allows you to receive direct deposits— like your paycheck, tax refunds, and more— up to two days early!
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Benefits
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Automatic & Free
You don’t need to qualify or opt-in to use Early Pay! All FCCU members are automatically enrolled for this free benefit.
No More “Pending” Deposits
In the past, your direct deposits wouldn’t be deposited and available to use until your usual payday. Now, we’ll deposit the funds as soon as they hit the FCCU books!
Not Just Paychecks
Early Pay applies to ACH deposits which can include government benefits, tax refunds, pensions, annuity/dividend payments, and more.
ACH is an electronic funds transfer made between banks and credit unions across what is called the Automated Clearing House (ACH) network ( CFPB, 2020).
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Frequently Asked Questions
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How much does it cost to use Early Pay?
$0! Early Pay is a free service provided to all FCCU members.
Do I need to sign up for Early Pay?
Nope! All FCCU accountholders are automatically enrolled in Early Pay. If we receive one of your direct deposits (like a paycheck) early, we’ll deposit it into your account right away.
Can my business enroll in Early Pay?
Yes! In fact, Your FCCU business account is automatically enrolled in Early Pay at no cost to you.
Will my paycheck always be available two days early?
It depends. Best case scenario, you will receive your paycheck two days early. At the latest, you will receive your paycheck on your usual payday.
FCCU will deposit funds into your account as soon as we receive the payroll file from your employer (or your employer’s ACH processor). That means that if there is a delay in submitting the payroll file, we may not receive it prior to your usual payday. FCCU can only deposit funds once we receive that payroll file– which could be on-time, one day early, or two days early.
We recommend setting up an account alert within Online & Mobile Banking so you receive a text and/or email as soon as your funds are deposited.
My deposit wasn’t posted early. Who should I contact?
For direct deposit questions, contact your payer first (for paychecks, this would be your employer). If your direct deposit wasn’t posted early, it’s likely that there was a delay in your payer submitting the payment file.
FCCU will deposit funds into your account as soon as we receive the payment file from your payer. That means if there is a delay, we may not receive it earlier than the expected deposit date. FCCU can only deposit funds once we receive that payment file– which could be on-time, one day early, or two days early.
We recommend setting up an account alert within Online & Mobile Banking so you receive a text and/or email as soon as your funds are deposited.
How do I set up direct deposit?
Check out our Payroll Deposit Guide page for instructions and access to our Direct Deposit Form.
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