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Credit Unions with Early Direct Deposit

SouthJamaica
Mega Contributor

Credit Unions with Early Direct Deposit

Some credit unions have early direct deposit. If you use direct deposit, they make it available a day or two early, sometimes even sooner than that.

 

The ones I know that offer this feature are listed below.  If you know of others, let me know and I'll add them to this post. When doing so, be sure to specify what their membership eligibility requirements are, so I'll know how to classify them. If early direct deposit is available only for some accounts, or to some members, please specify the details for eligibility for early direct deposit.

 

Open membership credit unions:

 

1. Langley FCU (2 days)

2. Hanscom FCU (2 days)

3. Andigo Credit Union (1 day)

4. DCU (2 days)

5. PenFed (1 day) (courtesy @ MaizeandBlue)

6. Unify FCU (1 day)

7. Andrews FCU (1 day) (courtesy @ Royalbacon)

8. Chartway FCU (1-2 days) 

9. Service CU (2 days)

10. Affinity FCU (cash back debit checking account) (2 days)

11. US Senate FCU (1-2 days) (courtesy @ Royalbacon)

12. Consumers CU (Illinois) (1 day)

13. USAlliance (2 day) (courtesy @Anonymous )

14. Mountain America CU and America First CU (according to @Royalbacon these are both open to anyone, although their websites say otherwise; if you have contrary information please let me know so I can immediately remove them from the open membership category)

 

Somewhat limited membership credit unions:

 

1.  NFCU (1 day) (courtesy @CreditInspired and @Mr_Mojo_Risin ) (Most members have to specially request the early direct deposit)

 

Very limited membership credit unions:

 

1. Abri (1 day) (courtesy @ codefreak13)

2. University FCU, Mountain America, America First (all 1-day) (courtesy @ Creditfan1234)

3. Golden 1 (1 day)(courtesy @Bella007)

4. FCCU (First Community Credit Union) (Houston) (2 days) (courtesy @ttulaw)

5. Baxter CU (2 days) (courtesy @MaizeandBlue)

6. RBFCU (1 day) (courtesy @Jetboy) (2 day according to @OmarGB9 )

7. Knoxville TVA Employees CU (2-3 days) (courtesy @xLeGeNDx)

8. Point Breeze CU (1 day), Sky One FCU (1-2 days), Union Square CU (2 days), GPO FCU (1 day) (courtesy Royalbacon)

9. South Florida Educational FCU (1 day) (courtesy @PutThatMoneyOnTheTable)

10. Wescom CU (2 days) (courtesy @Kforce )

11. SCSCU (1 day) (courtesy Guyatthebeach )

12. University of South Florida Cu (1 day) (courtesy @ mommydiva )

13. VyStar CU (2 days) (courtesy @mommydiva)

14. Jovia Financial CU (2 days)

 

Banks:

 

1. Chime Bank (2 day) (courtesy @creditfan)

2.  Woodforest National Bank (2 day) (courtesy @ GentMAB)

3.  SoFi (2 day)

4.  USAA (1 day) (very limited membership) (courtesy pauldc73 )

5.   One Finance (courtesy @justjac2)

6.   5/3 Bank (with Momentum checking) (courtesy @justjac2 )

7.  Capital One (with 360 checking) (courtesy @NRB525 )

 

 Other:

 

1. Fidelity Cash Management (1 day) (courtesy @ designated_knitter)

 

(Note: an earlier thread with the same title has been closed, due to its age.)


Total revolving limits 689000 (587000 reporting) FICO 8: EQ 718 TU 714 EX 695

Message 1 of 30
29 REPLIES 29
Kforce
Valued Contributor

Re: Credit Unions with Early Direct Deposit

One thing that I have figured out is that the "one, two or three day early" is really dependent on when the originating financial institution pushes the payments. It can be 3 days from one payee and 1 for another, and also vary from month to month depending on what day your regular pay day falls. This service in the fine print is more like " we will give it too you when we get it, won't hold it for interest".  No guarantee you get it 1, 2 or 3 days early.

Message 2 of 30
Guyatthebeach
Valued Contributor

Re: Credit Unions with Early Direct Deposit

SouthJamaica,

 

My main CU, SCSCU, is a one day early direct deposit CU. They are also geo-restricted to select counties and organizations in SC.

 

Guyatthebeach

Message 3 of 30
SouthJamaica
Mega Contributor

Re: Credit Unions with Early Direct Deposit


@Kforce wrote:

One thing that I have figured out is that the "one, two or three day early" is really dependent on when the originating financial institution pushes the payments. It can be 3 days from one payee and 1 for another, and also vary from month to month depending on what day your regular pay day falls. This service in the fine print is more like " we will give it too you when we get it, won't hold it for interest".  No guarantee you get it 1, 2 or 3 days early.


Yes there can be slight variations. Think of the 1-day ones as always being the day before, and the 2-day ones as from 1 to 5 days, depending on variables.


Total revolving limits 689000 (587000 reporting) FICO 8: EQ 718 TU 714 EX 695

Message 4 of 30
Revelate
Moderator Emeritus

Re: Credit Unions with Early Direct Deposit


@Kforce wrote:

One thing that I have figured out is that the "one, two or three day early" is really dependent on when the originating financial institution pushes the payments. It can be 3 days from one payee and 1 for another, and also vary from month to month depending on what day your regular pay day falls. This service in the fine print is more like " we will give it too you when we get it, won't hold it for interest".  No guarantee you get it 1, 2 or 3 days early.


Yeah, I've gotten DDs randomly early even at Chase recently.

 

Doesn't seem to be much rhyme or reason to it, it's certainly not consistent most of the time it is very early on my actual pay day.  I work for a Dow component so I would expect it to be like clockwork but even it gets a little strange at times.




        
Message 5 of 30
Anonymous
Not applicable

Re: Credit Unions with Early Direct Deposit

USAlliance meets criteria of being a CU with early DD. Up to 2 days early.

Message 6 of 30
CreditInspired
Community Leader
Super Contributor

Re: Credit Unions with Early Direct Deposit

NFCU - 1 day early

Membership required via military affiliation, including relatives whether live or deceased. 


|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
Message 7 of 30
SouthJamaica
Mega Contributor

Re: Credit Unions with Early Direct Deposit


@Anonymous wrote:

USAlliance meets criteria of being a CU with early DD. Up to 2 days early.


Please advise as to membership requirements for USAlliance @Anonymous 

 

Thanks


Total revolving limits 689000 (587000 reporting) FICO 8: EQ 718 TU 714 EX 695

Message 8 of 30
SouthJamaica
Mega Contributor

Re: Credit Unions with Early Direct Deposit


@CreditInspired wrote:

NFCU - 1 day early

Membership required via military affiliation, including relatives whether live or deceased. 


Please advise as to which members get early direct deposit and how to get it @CreditInspired 

 

Thanks

 


Total revolving limits 689000 (587000 reporting) FICO 8: EQ 718 TU 714 EX 695

Message 9 of 30
Mr_Mojo_Risin
Senior Contributor

Re: Credit Unions with Early Direct Deposit


@SouthJamaica wrote:

@CreditInspired wrote:

NFCU - 1 day early

Membership required via military affiliation, including relatives whether live or deceased. 


Please advise as to which members get early direct deposit and how to get it @CreditInspired 

 

Thanks

 


IME I called Navy's automated system when I had a pending deposit and it asked if I wanted it made available immediately, I said yes please lol.

I did this 2 weeks in a row and now I receive my DD a day early every week without calling in.

 

I tried calling previously and asking a CSR about early DD, but they said they couldn't do it. So, I guess that's kind of a YEMV.

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