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Early Pay

Time is money. Now, get early access to deposited funds with Early Pay! 

Get paid up to
two days early1

  • Applies to all ACH payments, including direct deposit
  • Automatic enrollment
  • Account alerts available

When it comes to getting paid, why wait?

Checking accounts are automatically enrolled – we've got you covered

GECU checking accounts automatically include Early Pay. This means you may get early access to ACH payments (including direct deposits) like your paycheck, as soon as we receive your deposit information. It's that simple. 

Note: Early Pay is available for GECU checking accounts, including: Simply Free Checking, Choice Checking, Amplified Checking, FREE Checking, and Premium FREE Checking. This service is not available on savings accounts, money markets (including Thrive High-Yield Savings and IRA Money Market), Health Savings Accounts, or business checking accounts. 

More than just paychecks

Early Pay applies to ACH payments, including direct deposits like your: paycheck, Social Security, pensions, monthly annuity payments, government deposits, and more!

There's no cost and no catch

This free service is just one more way we make checking better for you!

Get even more from Early Pay

Early Pay applies to all ACH payments, including direct deposit – this means, any deposit set up using your GECU routing and account number may arrive up to two days early. Use the scenarios below to determine if there are any steps for you to take.

“I already have it set up!”

 Awesome! That's all we need. Once we receive your deposit information, we'll post your funds, up to two days early. 

“I have a GECU checking account, but don’t have my paycheck set up for direct deposit.”

 No problem. Just provide your account and routing number to your employer. Here's a blank direct deposit form, if one is requested.

“I don’t have a GECU checking account.”

 You can open a GECU checking account in branch or online in minutes. Once the account is open, use your new account and routing number to establish ACH payments, including direct deposit. 

“I’m not a GECU member.”    

We’d love to have you as one! If you live or work in the Tri-State, you can bank with us. Open a checking account, then use your new account and routing number to establish ACH payments, including direct deposit. 

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Make the most of your Early Pay

Account alerts

Always know when a deposit hits your account. Sign up for account alerts in Online Banking or through our mobile app.2

Money Management

Create a budget and strategize how to spend or save your funds in Money Management. This tool is available to Online Banking and mobile app users.

Opportunities to grow

More time with your money means you’ll have more time to let it grow. Transfer a portion of your deposited funds to a high-yield savings account. 

Frequently Asked Questions

Early Pay is a free service for GECU consumer checking accountholders offering access to incoming ACH payments, including direct deposits, up to two business days early. There’s no enrolling or activating. 

All ACH payments, including direct deposits, such as: payroll, pensions, government benefit payments, tax refunds, VA benefits, and any incoming deposit using your routing and account number (excludes wire transfers).

No, need to enroll. All GECU Checking accountholders are automatically enrolled to receive ACH payments, including direct deposits, up to two business days early. 

Early Pay is available on GECU checking accounts, including: Simply Free Checking, Choice Checking, Amplified Checking, FREE Checking, and Premium FREE Checking. This service is not available on savings accounts, money markets (including Thrive High-Yield Savings and IRA Money Market), Health Savings Accounts, or business checking accounts. 

No, Early Pay is a completely free, automated service.

There’s no guarantee that you will always receive ACH or direct deposits up to two days early, since it depends on when it is received by us for posting. It is important to monitor your accounts to make sure your deposits are funded to your account before spending money.

No, Early Pay provides access to incoming ACH payments, including direct deposits, up to two business days early. 

If you don’t want to be enrolled in Early Pay, you can opt out. Contact us by: sending a chat or email, calling Member Support at 513.243.4328, or visiting us at a GECU location. 

Helpful resources

Don’t Miss Out on the Benefits of Direct Deposit

96% of U.S. workers get their paychecks via direct deposit.1 This fully automated transaction method means you don’t have to wait for a paper check to arrive before accessing your hard-earned money – but the benefits don’t end there. 

Read more
What to Consider When Opening a High-Yield Savings Account

A traditional savings account is a fantastic way to set aside funds for the future. But there are options that give your financial life the boost it needs to catch up during periods of high inflation. 

Read more
Mobile and Online Banking: Game Changers for Checking Account Management

Checking account management is simple with GECU’s Online Banking and mobile app.1

Read more

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