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Early Pay

Receive your funds up to two days early** with any First Federal personal checking account.

Your money, when you need it

Every First Federal personal checking account comes with Early Pay. Early Pay gives you access to the funds from eligible deposits*, such as paychecks and direct deposits, up to two days** earlier than you would receive them otherwise — no fees, and no strings attached!

Included with all personal checking accounts

Eligible for electronic deposits

Available up to two days in advance

Frequently Asked Questions

Early Pay is a free feature of every First Federal checking account that gives you early access to your directly deposited funds. For example, if we receive direct deposit information from your employer before your actual payday, we will deposit that money directly into your account, up to two days early**.

ACH deposits* are eligible for Early Pay. This includes electronic payments such as a paycheck or direct deposit.

Simply open any First Federal personal checking account, and you will be automatically enrolled in Early Pay. If you already have a First Federal personal checking account, you are already enrolled in Early Pay.

How early we are able to make your funds available depends on when we receive the necessary information from the person or company making the deposit into your account. This may vary from deposit to deposit.

To opt out of Early Pay, send your request with a secure message on your First Federal digital banking app, or reach out to your local banking center or customer advisory center via phone.

*Eligible deposits include ACH (Automated Clearing House) deposits. Not all direct deposits are eligible for Early Pay. There is a $10,000 maximum limit per deposit. Early Pay is available for personal checking accounts only. You can opt out of Early Pay at any time.

**Early availability of funds is not guaranteed and may vary from deposit to deposit. Whether we make deposits early is subject to receiving deposit information from the depositor, possible limitations on the amount of the deposit, and possible fraud prevention screening.

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