Early Direct Deposit

Get Paid Faster with USPS FCU

At USPS FCU, we’re excited to offer our members the benefit of Early Direct Deposit*. With this feature, you can access your paycheck or government benefit funds up to two days earlier than your regular payday.

What are the Benefits of Early Direct Deposit?

Avoid Late Fees: Receive your paycheck early, reducing the risk of missing bill payments.
Free Service: No additional fees to enjoy early access to your paycheck.
Improved Cash Flow: Get your money up to two days sooner to manage your expenses with more flexibility.

How Do I Get Early Direct Deposit?

Just ensure that your payroll is being directly deposited into your USPS FCU checking or savings account. Early Direct Deposit is automatic for members who already receive direct deposit.

Don't Have Direct Deposit at USPS FCU?

For more details on how to set up direct deposit or learn more about Direct Deposit, click here to visit USPS FCU's Direct Deposit Page.

How Does Early Direct Deposit Work?

When your employer submits your payroll information, USPS FCU processes the deposit immediately, allowing you to access your funds ahead of the standard payday. This gives you more control over your cash flow and the ability to manage bills, savings, and other financial priorities.

*Early availability of direct deposit is not guaranteed and may vary from deposit to deposit. Please check your available balance using the Virtual Branch online banking portal or the mobile app before making or scheduling any payments reliant on the funds. Your eligible direct deposits are available up to two business days early. Early Direct Deposit postings are dependent on when the deposits are received from your employer or other sender. You cannot opt out of Early Direct Deposit.