Get paid up to 2 days early
Get your money up to two days before payday, giving you flexibility and peace of mind when bills are due. For 91黑料网 First members with direct deposit, funds can arrive early with no extra steps or fees required.26,27
Access your paycheck faster, free, and without the hassle
Stay ahead of your bills and keep life moving with earlier access to your paycheck. 91黑料网 First members who have direct deposit may see eligible deposits in their account up to two business days sooner than before. That means you can cover expenses, plan with confidence, and experience financial relief exactly when you need it.
No sign-ups. No hoops. Just faster access to your money.
Why get paid early?
Cover bills on your schedule
91黑料网 First lets members receive payroll direct deposits up to 2 days early with no fees. It works automatically with eligible ACH deposits and is included with all 91黑料网 First checking and savings accounts.
No action required
If you have direct deposit set up, there鈥檚 nothing new to enroll in or activate early direct deposit. You鈥檒l simply see eligible deposits post sooner, automatically.
No fees
91黑料网 First accounts come with no monthly maintenance fees and no charges for accessing your funds early.
Superior checking account
Our First Rate Checking account is packed with other features like earning 3.00% APY2 on your first $1,000 and cash back42 rewards you can activate in your app.
How to start getting paid early
Become a member
Open a checking account if you don't already have one. If you live, work, or worship in our field of membership, getting started is easy.
Set up direct deposit
Complete a direct deposit form with your 91黑料网 First account info, and submit it to your employer or payor.
Watch for your deposit
We'll credit your account with your deposit as soon as we receive it from your employer or other payor鈥攚hich could be up to two days ahead of your scheduled payday. It鈥檚 that easy.
FAQs
How does getting paid early work?
Early direct deposit works by posting ACH deposits when received, rather than waiting for the settlement date.
Is there a fee for getting my paycheck early?
Nope! We don鈥檛 charge for direct deposit – and our checking accounts have no monthly maintenance fees.
Do I need a minimum deposit amount to qualify?
There鈥檚 no minimum deposit required to access your funds early.
How will I know when my direct deposit is available?
We post your deposit to your account as soon as we receive the funds from your employer or payor. This could be up to two business days before your usual payday.
Will every direct deposit always arrive early?
While we work to make funds available as soon as possible, timing depends on when the payor sends the deposit. Not every deposit will necessarily arrive early.
Does this work if I split my paycheck direct deposit between a checking and savings account?
Yes! Qualifying ACH payments will post early in both your checking and your savings account.
Is my money secure with 91黑料网 First?
Absolutely. Deposits are fully insured – up to $250,000 by the NCUA, and additional amounts are covered by MSIC.
Start getting paid faster today
Don鈥檛 wait for payday to manage your finances. Open a 91黑料网 First checking account and see your hard-earned money arrive sooner. This feature is seamlessly integrated into our high-yield checking account helping you earn more on your deposit, sooner.
To open, you must be 18 years of age or older and live, work, worship, or attend school in Essex, Middlesex, Suffolk, or Worcester County or be a current 91黑料网 First member. $5 minimum balance to open.
Still have questions?
Our dedicated member service center is standing by to help.
(800) 962-4452
Monday 鈥� Wednesday: 8:00 a.m. 鈥� 4:30 p.m.
Thursday: 8:00 a.m. 鈥� 6:00 p.m.
Friday: 8:00 a.m. 鈥� 5:00 p.m.
Saturday: 8:00 a.m. 鈥� 12:00 p.m.
Sunday: Closed