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What are the benefits of Early Pay?
- Faster Access to Your Pay – Get paid up to 2 days early, giving you instant access to your hard-earned money when you need it most.
- Financial Freedom – Take control of your finances with quick access to funds for emergencies, bills, and more—no waiting for payday.
- Ultimate Convenience – Enjoy hassle-free, automatic deposits straight into your account—no trips to the bank or ATM needed.
- Security You Can Trust –Your money is safely transferred directly to you sooner.
- Better Financial Control – Manage your budget with ease and make your money work for you sooner.
Do I need to enroll?
If you're already set up for direct deposit or have provided an account and routing number to a company for an ACH Deposit, no action is needed. If you don't currently receive a direct deposit into a MSDFCU account, you will need to enroll with your employer. Once it's set up, eligible deposits will be credited to your account up to two days sooner.
Are Social Security payments included?
Yes. Standard Social Security benefit payments qualify for early pay if they are being deposited directly into a personal account.
Are Business Accounts Included?
Yes, this includes Business Accounts.
Will I get my tax refund or other one-time deposits early?
Yes, One-time payments from your employer or another entity will qualify for early pay.
Are there any fees associated?
There are no costs or fees for receiving your money early.
When will I know when I'm paid?
You can set up an alert to be notified when you receive a deposit. Use our convenient Online Banking tools or Mobile alerts to review your balances and receive notifications of deposits.
How early will my funds be available to me?
The day and time funds are made available will depend on when we receive information about your deposit from your employer or other payor, which can vary from deposit to deposit.
Will my funds always arrive early?
No. Early availability is not guaranteed and may vary from deposit to deposit, including those from the same payor. The availability of early access depends on when we receive notice from your payor that the funds are on their way and any limits we impose on the early availability amount. Here are a few reasons you may not see your funds early.
- Your deposit isn’t sent earlier by your employer or payer
- There’s a payroll system issue from your payer
- Other limitations we set on the account, including standard fraud prevention
*Availability is based on your originating entity's participation with early pay access. Access to funds depends on the timing of the submission of the payment. MSDFCU may make the funds available up to two days earlier than the effective date. Always confirm your available balance before making a purchase or withdrawal.