Potentially get paid up to two days sooner. Learn how to get started!
How it works:
- Set up direct deposit for your paycheck to your account through your employer.
- Your money may be available up to two days early, depending on your employer’s system.
- There will be a $10.00 per item fee.
ACH Early Pay is optional, you choose to use your direct deposit early or wait for your normal payday.
How to initiate Early Pay:
- Log into your Online or Mobile Banking.
- You may simply click on your pending ACH or go to Menu > Holds/Pledges/ACH.
- Click on the “ACH Early Pay” Button and confirm.
Setting up a direct deposit is simple:
- Set up direct deposit for your paycheck to your DPFCU account through your employer.
- Dubois-Pike Federal Credit Union Routing Number: 283977905
- Call our staff for assistance!
FAQ:
What is Early Pay? Early Pay is a membership privilege that is provided to Dubois-Pike Federal Credit Union members who have a direct deposit. We know how critical it is to have your money when you need it. Many employers process payroll a few days before payday. If we receive deposit information for your account early, you will have the option to claim your funds from your direct deposit up to two days early, rather than on your regularly scheduled payday.
When will Early Pay begin? Early pay will begin October 29th, 2026.
What if I don’t have direct deposit? All you need to do is set up a direct deposit to your account through your employer or call for assistance and we will help you get this set up!
How do I know if my direct deposit qualifies? If your deposit typically shows as pending within your online banking prior to your actual pay date, this would qualify the direct deposit for Early Pay.
What does it cost to participate in Early Pay? There will be a $10.00 fee per item. For example, if you receive bi-weekly paychecks, the Early Pay fee would be $10.00 per paycheck. You make the choice each payday if you want to receive the funds early or not.
Will I always get my direct deposit early? There’s no guarantee that you will always receive ACH or direct deposits early, since it depends on when it is received by us for posting.
Will this impact my ACH distributions? No. ACH distributions will run as normal. If you want to make changes to your distributions, call for assistance.
Will this impact my automatic payments? No. Automatic payments running through the account will not be affected and will still be withdrawn on the normal date. Such automatic payments include vehicle loans, mortgage loans, credit card payments, utility payments, etc. Account holders are responsible for ensuring funds are available on scheduled payment dates.
Will this impact internal transfers on my account? No. Scheduled transfers will not be affected and will still be transferred on the normal date. This type of transaction includes internal loan payments or share to share transfers, etc. Account holders are responsible for ensuring funds are available on scheduled transfer dates.
How will I know when I’ve received the funds? Monitor your account with online banking or mobile app for pending credits. Once you confirm to have the funds deposited early, your funds will be available.
What if I change jobs? You will need to set up direct deposit through your new employer. They will need your account number and routing number to begin initiating deposits. Let us know if you need this information and we can provide it to you.
Why did I receive my direct deposit early last time but not this time? Employers don’t always submit their direct deposit information at the same time each pay period. Unfortunately, we do not have control over the timing. You can monitor your account with online banking or on your mobile app for pending credits.
How will Early Pay affect my Bill Pay payments? We recommend keeping your bill payment dates the same. As a reminder, your direct deposit may not always come early.
I have a recurring direct deposit with DPFCU, why am I not receiving my deposit early? If you are not receiving your deposit early, that could mean that your employer is not submitting your direct deposit information in advance of your payday.
*Terms: Membership required. Early Pay is a privilege in which eligible ACH credits may be available up to two business days early based on when the payer submits the information to us. We cannot guarantee that credits will be available early due to unanticipated circumstances. Eligible ACH deposits include, but are not limited to: payroll, pensions, and government deposits. Other deposits, such as: check or mobile deposits and card transactions are not eligible for Early Pay. Early Pay is subject to a $10.00 per item fee, if you choose to use it. Early Pay is offered at the discretion of DPFCU, and we reserve the right to cancel the privilege at any time and without notice to you.