account services

Early paycheck

Faster Access to Your Money

With Early Paycheck, your direct deposit – from your employer or from a government agency - will automatically be posted to your account up to two days early. It’s the fastest way to get your pay. As long as MIDFLORIDA receives the electronic file guaranteeing the funds from your employer or payroll company in advance of your normal payday, we will credit the money to you early.

Enrollment

Free with your MIDFLORIDA Checking Account

No sign up, no extra steps - Early Paycheck is built right into your checking account! Just set up direct deposit and enjoy early access to your paycheck, up to two days ahead of schedule. It's an added perk to your checking account.
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Direct Deposit simplified

Direct Deposit Tool to Connect Directly to Employer

Getting started with direct deposit is easier than ever! Use our direct deposit widget in online banking or the mobile app to quickly connect directly with your employer or payroll service. 
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Account Alerts

Know When Your Deposit Posts

With Free Online Banking, you can stay on top of your payroll deposits and other account activity with account alerts.
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Early Paycheck FAQs

  • You are automatically enrolled in Early Paycheck with your checking account.
  • To cancel, you can send a secure message in Online Banking, call our Help Desk, or visit a branch.

You must have an ACH payment set up with your employer or from anyone who pays you routinely (direct deposit from your employer, Social Security payments, etc).

Early Paycheck applies to any ACH deposit that we receive on your behalf. 

Yes, any part of your paycheck deposited via ACH will qualify for Early Paycheck.

Most large employers or employers who use a payroll service offer Direct Deposit for all or part of your paycheck. Contact your employer’s Human Resources Department or Payroll Department for details.

No, we are not able to negotiate a check that is dated for the future.

Because we process payroll and ACH deposits for a wide variety of companies and businesses, there is no set calendar for Early Paycheck. However, you should expect your payroll to post 1 to 3 calendar days early (Monday - Friday excluding holidays).

We recommend that you do not write checks or authorize any other withdrawals against your directly deposited funds until you verify that they have been posted to your account. You are responsible for any overdraft fees from transactions clearing prior to your payroll deposit.

You will be paid at least one calendar day early with Early Paycheck but there may be instances where you are paid two to three calendar days in advance of your payday. Posting dates and times for Early Paycheck can vary depending upon when MIDFLORIDA receives the information for your payroll, therefore we cannot guarantee early processing.

Remember, you are responsible for any overdraft fees from transactions clearing prior to your payroll deposit. We recommend that you do not write checks or authorize any other withdrawals against your directly deposited funds until you verify that they have been posted to your account.

No. Polk County School Board already receive their pay early.

Early Paycheck will not impact or change any of your automatic transfers or payments.

We suggest that you do not adjust any automatic payments to match when you anticipate to receive your paycheck early as this service is not guaranteed and you are responsible for any overdraft fees from transactions clearing prior to your payroll deposit.

It is our practice to post your direct deposit as soon as it is received by the credit union, which means you may receive your paycheck at least one calendar day early.

In instances where we do not receive the information ahead of time, the credit union is not able to post your deposit early. Instead, your direct deposit will be posted on your normal payday or as soon as we receive it.

If your direct deposit is not posted early, it could be due to one of the following reasons: (1) Your employer does not submit your payroll into the ACH system in time to post it early. This sometimes happens when a holiday falls on a weekday. (2) The ACH system is not functioning properly, resulting in a delay. In our experience, this is a rare occurrence.

If we receive your direct deposit early, it will be posted to your account one to three calendar days early. However, you are responsible for verifying that your payroll has posted early. We recommend you verify your payroll deposit by using Online Banking, Mobile Banking, Direct Touch banking or by calling the Help Desk prior to authorizing any payments or writing any checks.

We recommend you verify your payroll deposit by using Online Banking, Mobile Banking, Direct Touch banking or by calling the Help Desk prior to authorizing any payments or writing any checks.

To sign up for Direct Touch and/or Online Banking, call the Help Desk or visit any branch.

Unfortunately no, you will not be reimbursed. Although it is our goal to process your payroll early, there may be instances where we are not able to do so. For that reason, verifying that your deposit has been made prior to issuing any payments or writing any checks is your responsibility.

If the file for this payment is sent to us early, it is possible the transfer may be processed early.
It is recommended that you do not write checks or authorize any other withdrawals against your directly deposited funds until you verify that they have been posted to your account. You are responsible for any overdraft fees from transactions clearing prior to your payroll deposit.

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