Excited man looks at his phone and realizes he just received an early paycheck.

Early Payday

Get your direct deposit earlier with Advantage One!

Early Payday is Here

Getting Paid Early is Easy with Advantage One

Everyone looks forward to payday, and you deserve your money as soon as possible! Set up direct deposit into your AOCU account and you’re paycheck will be available as soon we receive your payroll file from the Federal Reserve1.

Receiving your money sooner allows you to have more control over your financial life. Get a head start on bills so you can avoid late fees, start your weekend sooner, and be ready to tackle unexpected expenses.

Eligible on the following recurring direct deposits:

  • Paycheck
  • Social Security
  • Unemployment
  • Pension
  • Tax Refunds
  • Additional Government Benefits
Not only is your money available faster, you don't need to do a thing! It happens automatically to all Advantage One accounts accepting eligible direct deposits. 
  • What is Early Payday?
    Early Payday is a free service that Advantage One provides all its members; giving you early access to your direct deposit funds.

  • What kind of direct deposits can I get early?
    In order to be paid early, the direct deposit must be recurring. Salary, social security, pension, military payments, and VA benefits are all included.

  • How do I sign up for Early Payday?
    All you need to do is set up a direct deposit to your Advantage One savings or checking account with your employer or other qualifying source. When we receive your direct deposit information from your employer or other qualifying source, we will deposit it into your account.

  • How do I set up Direct Deposit?
    Setting up direct deposit is easy! Just fill out a Direct Deposit Form , and take it to your HR department or visit GoDirect.gov to set up direct deposit for Social Security benefits. You’ll be able to receive your paycheck quickly, safely, and conveniently!

  • How does Early Payday work?
    A file from your employer or other qualifying source is submitted to the Federal Reserve to start the direct deposit process. The Federal Reserve then notifies the receiving institution, in this case Advantage One, of the amount of money you should receive along with the date that deposit should post. We deposit your money in your checking or savings account when we receive the direct deposit notification.

  • How long after I set up a direct deposit will it take to start receiving my payment early?
    Depending on the source of your deposit, it could take up to 90 days before you start receiving direct deposit, in some cases, it may happen sooner. As soon as we receive your direct deposit from your employer or other source, you’ll receive your payment.

  • How do I know that my Direct Deposit has been deposited?
    Knowing has never been easier! Set up balance alerts within online or mobile banking to monitor what deposits have posted to your account or use our Audio Banking by calling 1-833-3-MYAOCU (1-833-369-2628) for 24/7 account information.

  • Why did I receive my direct deposit early last payday but not this payday?
    Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Employers do not always submit their direct deposit information at the same time each pay period. For example, one pay period, they may submit it one day early, and the next they may submit it two days early. Unfortunately, we do not have control over the timing, however as soon as we receive your direct deposit, your payment will be posted to your account. You can also enroll in online banking or mobile app text alerts, so you are notified when you receive your direct deposits early.

  • What if I change jobs?
    If you change jobs, you will need to set up direct deposit through your new employer; however as soon as we receive the new direct deposit from your employer, you’ll start receiving the funds earlier than your scheduled payment date.

  • Can I choose to stop receiving my direct deposits early?
    Early Payday is an automatic feature of Advantage One accounts that cannot be stopped, this allows you to get your paycheck sooner and access your money faster.
1Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2-3 days earlier than the scheduled payment date. Advantage One cannot guarantee early deposits in all cases.