Why wait for payday when your money could arrive sooner?
With Early Payday, eligible direct deposits can be available in your Better Banks checking account up to two days early... at no extra cost. Whether it's your paycheck, Social Security, pension, military pay, or eligible government benefits, you'll have access to your money as soon as it arrives from your payer.
There's nothing to enroll in, no fees to pay, and no catch. Simply set up recurring direct deposit to your eligible Better Banks personal account, and if your employer or payment provider sends us your deposit information early, we'll make your funds available as soon as we can.
It's one more way Better Banks helps you make the most of your money.
Frequently Asked Questions about Early Payday
What is Early Payday?
Early Payday¹ is a feature that allows you access to your eligible direct deposit³ up to two days² earlier. It’s free, automatic, and included if you qualify.
Why isn't my direct deposit early?
There are a couple of different reasons this could be the case.
We didn’t receive your payment details on time to deposit early
You recently set up direct deposit
Your deposit type isn’t eligible (like transfers between bank accounts)
There is a payroll system issue with your payer
I have a recurring direct deposit set up, why am I not receiving my pay early?
If you have a recurring direct deposit set up but aren’t seeing your payment early, it could mean your employer isn't submitting your direct deposit information in advance of your payday. This service is completely dependent on submitting direct deposit information early.
Why did I receive my direct deposit early last payday but not this payday?
Employers don’t always submit their direct deposit information at the same time each pay period. For example, in one pay period, they may submit it one day early, and the next, two days early. Unfortunately, we don’t have control over the timing. However, you can enroll in text alerts to be notified when your deposits arrive.
How do I opt into Early Payday?
Enrollment is automatic if you are eligible.
Do I need to sign up for Early Payday?
No, you are automatically enrolled. You may receive your paycheck early if:
You receive recurring payments through an employer, business, or government program that uses a direct deposit you’re enrolled in.
Your payroll provider consistently sends us payment details on time.
All personal checking accounts that are in good standing are eligible for Early Payday.
The direct deposit must be recurring. Salary, Social Security, pension, military payments, and VA benefits are all included.
How do I set up direct deposit?
Visit your payroll provider to enroll in direct deposit. You’ll need:
The Better Banks Routing Number (071120207)
Your Account Number
How long after I set up direct deposit will I start receiving my payment early?
Depending on your employer, direct deposit setup timelines are driven by the employer and how quickly they set it up in their payroll system.
What types of accounts can receive Early Payday?
All personal checking accounts, in good standing, are eligible for Early Payday.
Does Early Payday cost anything?
No, this benefit is free.
Are there limits to the number of deposits I can receive?
No, there are no limits to the number of deposits received.
What if I change jobs?
If you change jobs, you will need to set up direct deposit through your new employer. It can take several weeks before you become automatically enrolled in Early Pay.
Disclosures: 1With Early Payday, Better Banks may make funds from incoming electronic ACH direct deposits available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early Payday. 2Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Whether we make funds available early depends on when we receive the payor’s payment instructions, any limitations we set on early availability, and standard fraud-prevention screening. 3Eligible direct deposits are limited to electronic direct deposits of your payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) network. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services, check or mobile deposits, and other online transfers or electronic credits, are not eligible for Early Payday.
