Early Payday | RIZE Credit Union

Rebrand – answers to frequently asked questions

Language

Access your account

As we transition, you’ll log in from an interim page. It’s fully secure and you can return to the website by tapping the Credit Union logo.

Stay secure… protect your password

Important reminder: We will NEVER call, email, or text you to ask for your password. Your password is private – keep it safe! Get more information and monthly updates on our fraud awareness page.

Home » Early Payday

Get paid early

Receive your money up to two days early¹

No need to enroll

It's an automatic perk on your eligible direct deposits²

Receive alerts

Set up alerts to be notified when your funds are available³

What's Early Payday?

Early Payday gives you access to your eligible direct deposits up to two days early.¹ There’s no enrollment required and no fee. Once we receive information about your incoming direct deposit from your payor, we may make the funds available for your use up to two days earlier² than your scheduled pay date.

FAQs

How does Early Payday work?

Early Payday gives you access to your funds up to two days early for eligible direct deposits.²

Is there a fee for Early Payday?

No, there’s no fee for Early Payday. It’s included as one of the perks when you set up direct deposit.

When will I know I got paid?

You can set up an alert through digital banking to notify you when you receive a direct deposit.

How early will by direct deposit be available?

The day and time funds will be available will depend on when we receive information about your deposit from your payor, which can vary from deposit to deposit.¹

Will funds from my direct deposit always arrive early?

Early availability isn’t guaranteed and may vary from deposit to deposit – including those from the same payor.

Whether we’re able to provide early availability depends on when we receive information from your payor that the funds are on the way, any limitations set on the amount of early availability, and standard fraud prevention screening.

How to set up direct deposit

You'll need your account and routing numbers

You'll find these by logging in to digital banking, selecting the account, and expanding Account Details on the Account History screen.
Your payor may have a form to complete

Complete their form using your account and routing numbers to enable them to set up your deposit within their payment system.
Monitor your account

Set up an alert through digital banking to notify you when deposits are made.

¹Incoming electronic direct deposits made through Automated Clearing House (ACH) are made available for use up to two days before the scheduled payment date. Not all direct deposits are eligible. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Whether we make funds available early depends on when we receive the payor’s payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Available for personal accounts only. ²Eligible direct deposits are limited to electronic direct deposits of items such as payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) to your personal account. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services (e.g., Zelle®, Venmo or PayPal transfers), check or mobile deposits, and other online transfers for electronic credits, are not eligible for Early Payday. ³Availability to receive notifications may be affected by your mobile carrier’s coverage area. Message and data rates may apply.