Get Paid Up to Two Days Early

Get your paycheck and other eligible direct deposit transactions up to two days early with a Town & Country Credit Union checking, savings or money market account*. Early Pay allows you to access your cash up to two days before your scheduled payment date so you can get a head start on paying bills, making purchases and growing your savings.

No enrollment is required for Early Pay, so you will automatically get early access to your paycheck and other direct deposits. There are also no fees for Early Pay. 

How Does Early Pay Work?

After an employer runs payroll, they send the funds electronically through a transaction processed by an Automated Clearing House (ACH) network. Once the ACH processes the transaction, it is sent to the Credit Union. We then finalize the direct deposit, verify the transaction and deposit the funds into your account. As long as we receive the direct deposit early, we can deposit the funds into the account up to two days early. Before Early Pay, those funds would be stored in the ACH warehouse until the payment date defined by the employer. 

Most recurring direct deposits, including paychecks, social security payments, pension payments, and other government benefit payments, are eligible for Early Pay. Deposits from person-to-person payment services, check or mobile deposit and other online transfers or electronic credits are not eligible for Early Pay. 

Early Pay is not guaranteed and depends on when the payor's payment instructions and files are received. 

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Early Pay Account Options:

The following types of accounts qualify for Early Pay.

• Star Rewards Checking offers benefits like mobile deposit, ATM fee refunds**, and 3% cash back on debit card purchases, up to $7 a month when all requirements are met.
• Grow your money with a savings account that offers competitive interest rates.
• Earn some of our best interest rates with a Money Market account with no minimum balance fee and no monthly service charge.

Have an account but need to set up direct deposit? Get started by following these simple steps. 

*Town & Country Credit Union may make incoming electronic direct deposits such as payroll, pension and government benefit payments made through the ACH available up to two days before the scheduled payment date. Not all direct deposits are eligible. Early Pay is not guaranteed and depends on when the payor's payment instructions and files are received. Deposits from person-to-person payment services, check or mobile deposit and other online transfers or electronic credits are not eligible for Early Pay. **Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $25 and credited to the account on the last day of the month.