Frequently Asked Questions

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What is Early Pay?

Many employers process payroll a few days before payday, and at IFCU, we get it. We know how crucial it is to have your money when you need it. That's why we offer the convenience of accessing your direct deposit funds up to two days in advance¹, giving you the financial flexibility you deserve.

Are there fees associated with Early Pay?

A $5.00 fee per item will apply to initiate Early Pay. For example, if you receive bi-weekly paychecks, the Early Pay fee would be $5.00 per paycheck.

What kind of direct deposits qualify for Early Pay?

For direct deposit to apply, it needs to happen regularly and may include salary, social security, pension, military payments, and VA benefits.

Will I always get my direct deposit on the same day?

When planning your budget for the upcoming week(s), it's important not to rely on receiving your direct deposit early. Employers don't always send this information at consistent times each pay period. For instance, it might arrive a day early one week and two days ahead the next. Although we can't control this timing, you can stay informed by signing up for account alerts to track early direct deposit arrivals.

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