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Credit unions with early direct deposit

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Senior Contributor

Re: Credit unions with early direct deposit

Golden1 Credit Union. Available in the morning the day before the pay date, and if payday is on a Monday, it's available on Friday. 

 

Sierra Central was always at 9pm the night before payday.

 

Barclays is always on the pay date.

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Message 21 of 91
Senior Contributor

Re: Credit unions with early direct deposit

SchoolsFirst FCU

Message 22 of 91
Super Contributor

Re: Credit unions with early direct deposit


@TortoiseWinswrote:

SchoolsFirst FCU


1 day or 2 day?

Limited membership or open membership?


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Message 23 of 91
Established Contributor

Re: Credit unions with early direct deposit

I just started DD part of my paycheck into NFCU.  Payday was 3/1, funds were available 2/28 and the transaction actually took place before an ATM withdrawel I made on 2/27.  Not military, paycheck from private company.

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Message 24 of 91
Established Contributor

Re: Credit unions with early direct deposit


@SouthJamaicawrote:

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:

 

1. Langley FCU (2 days)

2. Service CU [Somewhat limited membership] (2 days)

3. Hanscom FCU (2 days)

 

If you know of others, let me know and I'll add them to this post.

 

@4. DCU (2 days)(courtesy @Atonswife  @creditfan @DaveInAZ )

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

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

@7. Abri [Limited membership] (1 day) (courtesy @codefreak13)

@8. University FCU, Mountain America, America First [all limited membership] (all 1-day) (courtesy @Creditfan1234)

@9. Golden 1 [Limited membership](1 day)(courtesy @Bella007)

10. Andigo Credit Union (1 day)


FCCU (First Community Credit Union) (Houston) -- Availabe typically 2 days early.

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Message 25 of 91
Super Contributor

Re: Credit unions with early direct deposit


@EAJuggalowrote:

I just started DD part of my paycheck into NFCU.  Payday was 3/1, funds were available 2/28 and the transaction actually took place before an ATM withdrawel I made on 2/27.  Not military, paycheck from private company.


That has not been my experience with NFCU. I will retest it.

 

 Update 3/7/18: I've retested it, and NFCU did not make the deposit available early.


Total revolving limits 720500 (594000 reporting) 10/2/19 FICO 8 scores: EQ 744 TU 782 EX 746
Message 26 of 91
Valued Contributor

Re: Credit unions with early direct deposit


@SouthJamaicawrote:

@EAJuggalowrote:

I just started DD part of my paycheck into NFCU.  Payday was 3/1, funds were available 2/28 and the transaction actually took place before an ATM withdrawel I made on 2/27.  Not military, paycheck from private company.


That has not been my experience with NFCU. I will retest it.

 

 


I share the same experience as you. The funds do land in my account about a half hour before midnight, though. 

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Message 27 of 91
Frequent Contributor

Re: Credit unions with early direct deposit

Question.  Why?  The period between pay will be constant still, correct?  So, what is the point to early pay?




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Message 28 of 91
Valued Contributor

Re: Credit unions with early direct deposit


@Workin4abetterFICOwrote:

Question.  Why?  The period between pay will be constant still, correct?  So, what is the point to early pay?


It's hard to explain. When you start getting paid early, you'll understand what we're talking about. 

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Message 29 of 91
Super Contributor

Re: Credit unions with early direct deposit


@Workin4abetterFICOwrote:

Question.  Why?  The period between pay will be constant still, correct?  So, what is the point to early pay?


If I were a wealthy man, I might not care. But since I'm not, I do like to have my money early. And which institution you use can make a difference. With the 2-day institutions, you can sometimes get it even earlier... I've had deposits with a Wednesday payment date credited to my account the previous Friday afternoon.... that's 5 calendar days early.


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Message 30 of 91
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