Accelerate your pay day

Once your direct deposit request is submitted to your employer, it typically takes 1-2 pay periods, or up to 60 days, for your employer’s Payroll to complete your request. Don’t worry – we will be ready as soon as the request is complete! If you’re new to RCU, make sure you don’t close your old account until you see your direct deposit show up in your new RCU account. Please contact your employer for application processing questions.

Once your direct deposit is set up, RCU will post your eligible direct deposit payments up to two days early. Eligible direct deposits that may be paid early include payroll deposits, government or state benefits and pensions, and military pay. Early Pay is available free of charge for RCU Members.

The following payment types are not eligible for Early Pay:

• Person-to-person (P2P), web or online payments (ie: PayPal^®, Venmo^®), International deposits (IAT), Business Corporate Credits (CCD)

RCU will post eligible direct deposit ACH transactions up to two days early, when possible. Some factors that could delay posting payments early may include: Employer/payroll based processing delays, employment changes, federal holidays, membership-specific concerns.

Please note:

1. Your employer controls when deposits are sent to their processor or bank. Some are sent 1-2 business days early and others are sent same day. Eligibility for Early Pay depends on when the transaction is received by RCU.
2. Your employer’s official pay day does not change.
3. Direct deposits are not trackable in real time. RCU cannot see when the employer sent the payment file, or where the payment file is before reaching RCU.