Early Pay
Early Pay gives members access to direct deposit paychecks up to two business days before the scheduled payment date, at no cost.
Don't Wait For Payday!
You don't have to wait for your next payday! With Early Pay, you can receive your paycheck up to two days1 early with direct deposit into your checking or savings account!
- Safe, secure, and free
- No more paper checks to worry about getting lost or stolen
- No more trips to the bank to deposit your check
- Automatic free enrollment when you set up direct deposit
Whether you're setting up direct deposit for the first time or already have it in place, Early Pay is ready to work for you.
- Do You Need Direct Deposit?
Already have a checking and savings account and need to set up direct deposit? We are here to help, 800.223.1983!
- Do You Already Have Direct Deposit?
Great! We have automatically enrolled you in Early Pay! You should start seeing your paychecks sooner!
Early Pay - AACU Early Pay FAQs
Early Pay can make direct deposit funds available up to two business days before the scheduled payment date at AACU. Exact timing depends on when the payor sends payment instructions, so early availability isn't guaranteed every cycle. Check your eligibility and set up direct deposit to get started.
No separate enrollment is required, since Early Pay activates automatically once you set up direct deposit into an AACU checking or savings account. Members already using direct deposit are already enrolled. Review Cash Back Checking if you're opening a new account for direct deposit.
Early Pay applies to most ACH credit transactions, including payroll deposits from employers as well as other recurring electronic payments. Availability depends on AACU receiving payment instructions from the payor ahead of the scheduled date. Check your eligibility before setting up direct deposit.
Yes, Early Pay applies to direct deposits made into either a checking or savings account at AACU, not just checking. Members can choose which account receives their early-arriving funds. Review Primary Savings if you'd rather direct deposit into savings.
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1 Early Pay is only available to members with an AACU checking or savings account and have direct deposit set up with their employer or other payer to receive electronic payment during regular periodic payment cycles. At our discretion, we may make the funds for certain ACH credit transactions, including most payroll deposits, available to you before the ACH deposit's scheduled payment date up to 2 business days earlier. The date that funds are made available to you will be reflected in your applicable account's transaction history. Whether or not funds are made available early and exactly when the funds are made available depend on when we receive the payment instructions from the ACH payor and are subject to fraud prevention measures and other applicable restrictions. We do not guarantee that funds will be made available early or that funds will be made available by any specific time of day. Any funds that we don't make available early will be made available according to our Funds Availability Agreement.
Restrictions and requirements may apply. Membership requirements apply.