Early Access Direct Deposit

Payday doesn’t always have to happen on payday.

Open a Checking Account Login to Digital Banking

Early Access Direct Deposit

Payday doesn’t always have to happen on payday.

Open a Checking Account Login to Digital Banking
Get eligible direct deposits

as soon as they’re delivered to us.

No enrollment, activation, 

or added cost.

Early Access Direct Deposit

Payday doesn’t always have to happen on payday.

Open a Checking Account Login to Digital Banking

Your money gets here. You get it.

Payday may be Friday, but your money doesn’t always wait until then to arrive. With Early Access, we make eligible direct deposits available as soon as they’re delivered to Financial Center – so you could have your money up to a week sooner.1

You can always update your direct deposit preferences in Digital Banking under "Move Money," then "Direct Deposit." 

A benefit for more than just payday.

Early Access can work with other eligible ACH deposits, too – so when certain money reaches us ahead of schedule, you could get access ahead of schedule.

  • Paychecks & Bonuses: Regular pay, overtime, and eligible bonuses.
  • Tax Refunds: That refund you’ve been waiting for could land a little sooner.
  • Government Benefits: Eligible government payments may qualify for Early Access.
  • Military Pay & Pensions: Eligible military pay and pension deposits can get the same early treatment.

Early Access is automatic.

Already set up, opening a new account, or moving your direct deposit over? Here’s all it takes to start getting the most from this member benefit:

Already have direct deposit with Financial Center?
You’re all set. Early Access works automatically when an eligible deposit arrives.
Need a Checking Account?
Early Access applies to your ACH payments into most of our deposit accounts, but opening a Checking Account is an easy way to get your direct deposits a little early.
Have Checking, but not direct deposit?
Use our Direct Deposit Form to move your paycheck to Financial Center. Just complete it and provide it to your employer.

See it sooner. Use it sooner.

When an eligible deposit arrives, you can see your available funds in Digital Banking. Just remember that timing depends on when your employer or other payer sends the deposit – Early Access doesn’t guarantee that every deposit will arrive early.

Frequently asked questions

View All FAQs

Setting up direct deposit is easy. You'll need your Financial Center routing number (274073876) and your account number, which you can find in Digital Banking. Then:

  • Complete your employer's or payer's direct deposit form, or use our direct deposit form
  • Provide your Financial Center routing number and account number
  • Choose whether you'd like your deposit sent to your Checking or Savings Account

Once your direct deposit is set up, your funds will be deposited into your account automatically. If you're eligible, qualifying direct deposits may even arrive early with our Early Access member benefit.

Your money should work around you.

From everyday purchases to managing your money on the go, the right Checking Account gives you a solid foundation for banking your way.
Checking Options

  1. You may receive an ACH transaction early if you hold a checking, savings, or money market account with Financial Center First Credit Union. It is at the discretion of Financial Center to determine which transactions qualify and there is no guarantee that any payments will be processed early. Some types of direct deposit or ACH transactions are not eligible. Early Access is dependent on the timing of direct deposit submission by payer and fraud prevention restrictions.