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Direct Deposit

Early Payday

Young man with smart phone texting outdoors in the city

You deserve your hard-earned money as soon as possible.

No more waiting around for your money or hoping your check doesn't get lost in the mail. With UNCLE Early Payday, you can get paid up to two days early for all ACH/direct deposits.*

How does Early Payday work?

  1. A payer or employer submits when and how much you should be paid.
  2. The Federal Reserve sends this information to UNCLE Credit Union.
  3. Your account is credited immediately (up to two days early) versus waiting for a specified date.

How do I sign-up for Early Payday?

You do not need to sign-up for Early Payday. All ACH/direct deposit payments will automatically be received as an early payment should they meet service qualifications.*

How do I sign-up for direct deposit?

Signing up for direct deposit is free and as simple as contacting your employer’s payroll department. You will need to provide your employer with the UNCLE account number you wish to receive the direct deposit in and UNCLE's routing number (321173072).

UNCLE Early Pay Day on Wednesday as opposed to Friday

Benefits of using Direct Deposit:

  • It's safer than having checks mailed to you and there's no need to drive to a financial center to deposit.
  • Funds deposited are available immediately and funds deposited to a savings account earn dividends immediately.
  • You may verify receipt of funds through Digital Banking and a record of the deposit is included in your monthly statement (including the date and payee).
*UNCLE members may receive an ACH/direct deposit up to two days early with Early Payday if: 1. You have an UNCLE checking or savings account with us in good standing. 2. You have a recurring qualifying ACH/direct deposit. 3. You provide us with a valid email address.
ACH/Direct Deposit and Early Payday availability of funds is subject to the payer’s support of the feature and timing of payer’s funding. Early Payday is automatic and has no fees. UNCLE Credit Union does not guarantee that you will receive Early Payday service and it may take up to 90 days to identify direct deposits that qualify for Early Payday. Some ACH/direct deposit types are not eligible.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. Government Agency. Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Rates shown are current as of September 29th, 2022

Uncle Credit Union BBB Business Review