Early Pay

You could receive direct deposits up to two days early

Paychecks, benefits, tax refunds, pensions, annuity/dividend payments, and more!

Set Up Direct Deposit

Benefits

Automatic & Free

No need to qualify or opt-in! Members are automatically enrolled.

No Pending Deposits

Your deposits will be posted as soon as they hit the FCCU books!

Know When You're Paid

Get a text, email, or push notifications when a deposit is posted to your account. Learn More

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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.

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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.

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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.

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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.

Set up digital banking alerts to receive a text, email, or push notifications when a deposit is posted to your account. Learn More

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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.

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How do I set up direct deposit?

Check out the Payroll Deposit Guide for instructions.

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