cancel
Showing results for 
Search instead for 
Did you mean: 

Credit unions with early direct deposit

Super 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.

 

Open membership credit unions:

 

1. Langley FCU (2 days)

2. Hanscom FCU (2 days)

3. Andigo Credit Union (1 day)

4. DCU (1 day)(courtesy @Atonswife  @creditfan @DaveInAZ )

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

 

Somewhat limited membership credit unions:

 

1. Service CU (2 days)

 

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)

 

Banks:

 

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

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

 

 

 

 


FICO8 EQ 769 TU 796 EX 764 Total revolving limits 569900 (484900 reporting)






Message 1 of 42
41 REPLIES
Established Member

Re: Credit unions with early direct deposit

NFCU is a day early, but any military associated bank/CU will be like this from my experience with NFCU/USAA.

Message 2 of 42
New Contributor

Re: Credit unions with early direct deposit

DCU releases early. My official payday is Wednesday however my deposit is available after 6pm on Mondays. If Monday is a Federal Holiday where banks are closed, then my deposit is available the Friday before.
As of 11/02/15:
EX-679, TU-707, EQ-690 (FICO 08),7/31/15 691 (FICO 04)
CAP ONE QS-$4,250, CAP ONE QS-$2K, CAP ONE VISA SIG-$7K, JETBLUE AMEX-$5K, DCU PLATINUM VISA-$6.5K, AMAZON STORE-$5k, BANANA REPUBLIC-$5k

AU ACCTS: CAP ONE QS-$1.5K, CAP ONE CLASSIC-3K, BLOOMINGDALES-$3K, NORDSTROMS-$1K
Message 3 of 42
Regular Contributor

Re: Credit unions with early direct deposit

DCU comes to mind

they even advertise on their website

Message 4 of 42
Community Leader
Valued Contributor

Re: Credit unions with early direct deposit

Yes, I can confirm DCU posts my payroll direct deposit early. My payday is every other Friday and it usually shows as available Thursday mornings, but after a Monday holiday it's Thursday afternoon. And when I had the direct deposit going into Penfed earlier this year it was the same. My employer is the local county government and is probably not as fast processing payroll as other employers.


Fico 08: 720/721/719 TU/EX/EQ
Message 5 of 42
Established Contributor

Re: Credit unions with early direct deposit

PenFed.  I deposit a portion of my pay check to them and its always available one day before my actual pay day.

08/20/17 FICO 8: EQ 663; EX 644; TU 643
06/01/18 FICO 8: EQ 752; EX 726; TU 728


Message 6 of 42
Super Contributor

Re: Credit unions with early direct deposit


@tbankstonwrote:

NFCU is a day early, but any military associated bank/CU will be like this from my experience with NFCU/USAA.


Not so. I'm a member, and I tried it, and it was not available early.


FICO8 EQ 769 TU 796 EX 764 Total revolving limits 569900 (484900 reporting)






Message 7 of 42
Established Contributor

Re: Credit unions with early direct deposit

 wrote:

 


5. PenFed (1 day) (courtesy @MaizeandBlue)[I'm not so sure about PenFed]

 


I've verified this for myself.  My pay check is direct deposited into four accounts with Chase Bank, PenFed, University of Michigan Credit Union, and Tri City National Bank ( a small local bank).  The deposits to Chase and PenFed are done to avoid fees on my checking and savings accounts with them, and to allow me to get the maximum 2% cashback on my PenFed Power Cash Rewards card.  Officially pay day is every other Friday but PenFed always shows the funds available by 8 a.m. Eastern Time on Thursdays.  By comparison, Chase and UMCU show the funds available on Friday mornings, and TCNB shows the deposit as "pending" on Friday mornings.  I still have access to the TCNB funds but it isn't actually credited to my account until their system updates overnight Friday/Saturday morning.

08/20/17 FICO 8: EQ 663; EX 644; TU 643
06/01/18 FICO 8: EQ 752; EX 726; TU 728


Message 8 of 42
Valued Contributor

Re: Credit unions with early direct deposit

I get DD one day early for these three: DCU, PenFed, Apple FCU

State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (10,000) ~ PenFed Promise (1,000) ~ PenFed OLOC (500) ~ Discover ($1,100) ~ Citi DC (2,200) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (2,700) ~ NFCU CLOC (15,000) ~ Venture (10,300) ~ DCU Visa (5,000) ~ Chase Freedom (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG (1,000) ~ Amex BCE (1,000) ~ Care Credit (15,000)
Current Scores (6/6/18): 697 Transunion, 659 Equifax, 674 Experian
Message 9 of 42
Regular Contributor

Re: Credit unions with early direct deposit

NASA Federal Credit Union does early direct deposit

Message 10 of 42