Early Pay

We can deposit your payroll, retirement, or Social Security check up to two days sooner with Early Pay!*

Have you ever noticed your paycheck in your pending ACH transactions days before pay day? That’s part of the direct deposit process: your employer submits your deposit information, it’s sent to the Federal Reserve Bank, then sent to us where it waits to be deposited on pay day.

We now have the option to post these pending direct deposits to your account up to two days in advance, and you can decide when you want to deposit your paycheck early!

If you’re using the mobile app:
Log in
Select the Accounts tab at the bottom of the screen
Select My Accounts
Select Pending ACH Transactions
Select Post Now to instantly post your deposit!

If you’re using online banking:
Log in
Hover over My Accounts
Select Pending ACH Transactions
Select Post Now to instantly post your deposit!

There is an $8 fee per ACH deposit posted early which is deducted from your account before posting. The funds are immediately available when you use Early Pay.

Frequently Asked Questions:

  • When can I deposit pending ACH funds?
    • Once CPFCU receives your ACH payroll file, it will show pending under ACH transactions in your online banking or mobile banking.  If the deposit shows pending, it’s available for early deposit!
  • Which CPFCU accounts are available for Early Pay?
    • All checking and savings accounts are available and already equipped with the Early Pay function.
  • Can the $8 fee be paid out of the pending deposit?
    • Funds must be available in one of your CPFCU accounts prior to the deposit posting in order to utilize this service.
  • How long does it take for the funds to be available after I pay the $8 fee?
    • Once you have selected the Post Now function, and have selected the account to process the fee, the funds are instantly available!

*Preauthorized ACH credits received by CPFCU may be available to credit to accounts as soon as two business days prior to the scheduled posting date. If the ACH originator does not submit the information ahead of time, CPFCU will be unable to make these deposit funds available early. In this case your deposit will be posted on the scheduled posting day. CPFCU is not responsible for fees or  penalties resulting from transactions in advance of an early ACH credit posting.