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Get StartedWith 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.
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.
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.
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.