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Credit unions with early direct deposit

Regular Contributor

Re: Credit unions with early direct deposit

I am a civilian. 

 

USAA direct deposit's my paycheck the day before payday @ 6:30am.

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Message 21 of 42
Valued Contributor

Re: Credit unions with early direct deposit


@OmarRwrote:

I am a civilian. 

 

USAA direct deposit's my paycheck the day before payday @ 6:30am.


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Message 22 of 42
Community Leader
Valued 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 23 of 42
Senior Contributor

Re: Credit unions with early direct deposit

SchoolsFirst FCU

Entered the Garden 6/11/18
Message 24 of 42
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 25 of 42
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 26 of 42
Frequent 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 27 of 42
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.


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Message 28 of 42
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 29 of 42
Regular 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?



Message 30 of 42