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Advantis Early PaydayTM

Get your direct deposit up to two days  early

Sooner is better

With Advantis Early Payday™ you get your direct deposit up to two days early. Because when it comes to getting your paycheck, sooner is better.

And Early Payday is included with all of our checking and savings accounts, so you don’t have to lift a finger. Every direct deposit you add to your account is available up to two days early.


Checking for the way you live

Two days may not be a lifetime, but sometimes it’s all the time you need to live a little more. And all the more reason to switch to an Advantis checking account that fits the way you live.

Fusion icon - percent sign Fusion Checking

Fusion Checking offers the perfect blend: a terrific interest rate with no monthly fees—ever. So you get paid more without paying a thing. It’s everything you want, fused into one account.

  • Generous 0.90% APY* on balances up to $25,000
  • Always free, all the time—no matter what
  • No minimum balance, no worries

Cashback Icon - dollar sign with arrows around Cashback Checking

Say hello to unlimited cash. With Cashback Checking, we’ll pay you for every debit card purchase of $3 or more. Truly free, no minimum balance, and no hassles. So, why limit yourself?

  • Earn money even as you spend money
  • Unlimited cash back every month**
  • Free means free—no monthly fees


Free, easy, and early

Early Payday makes it easy — with no application, activation, enrollment, or cost. Just add direct deposit to any of our checking or savings accounts and you automatically get paid up to two days early.

Unlike big banks, Advantis likes the idea of giving our members something for nothing. Like Early Payday, which gives you a chance to start living a little more — sooner rather than later.

Advantis is proud to be leading the way among local credit unions to offer this great feature. And we’re even prouder that the inspiration for Early Payday came from our members in a recent checking survey. But responding to our members’ needs is pretty standard around here.

As a local, not-for profit financial co-op, Advantis does things a little differently. We give our profits back to members in the form of better rates, lower fees, and more free services.


Your paycheck, your control

With Advantis Early Payday™ you enjoy the freedom, flexibility, and control that come with knowing your deposit will be there when you need it most. After all, it’s your money. Why wait?

Icon Peace of Mind


Enjoy a little extra time to
manage your expenses.

Icon Clock Sooner


Stay in control of your monthly
bills before they’re due.

Icon bench and tree


Breathe easier knowing your money
is there for you.


Frequently asked questions

How do I get started with Early Payday?
Just open a checking or savings account with Advantis and setup direct deposit to your account. That’s it! Early Payday is a standard feature for Advantis checking, savings, and money market accounts. If you already have your direct deposit sent to Advantis, you don’t have to lift a finger

How do I setup direct deposit?
To set up direct deposit you will need to provide your employer two items:

  • Advantis’ routing number: 323075181
  • Your checking or money market account number: Register for, or log into Advantis online banking, click the account you’d like your direct deposit to go to, select the Account Details tab, and use the number listed for “ACH/Direct Deposit.”  Note, for your savings account, please use your member number.

Optional: If your employer requires a direct deposit form, click here for our fillable form.

Does it cost extra to get paid early?
Absolutely not. Early Payday is a free, automatic feature for Advantis members.

Do I need to opt-in to participate in Early Payday?
Not at all. If you receive your regular paycheck or government benefits through direct deposit, you’ll automatically receive these payments up to two days early with Early Payday.


How does Early Payday work?

  1. Your employer submits payroll files to the Federal Reserve (Fed) with a specific date to deposit funds to your account (your scheduled payday).
  2. The Fed generally sends an electronic deposit notification to Advantis 1-2 days ahead of the intended deposit date so that we know the deposit is coming.
  3. Instead of waiting until your actual payday we make the deposit to your account early, typically 1-2 days beforehand.

For most Friday paydays we receive the alert from the Fed on Wednesday. When this happens, you get to enjoy an early payday.

What time is my direct deposit posted?
The deposit post time depends on your employer or government agency. Unlike traditional banks, Advantis posts the deposit to your account as we receive the files throughout the day.

Will my direct deposits always arrive two days early?
It depends. You might get your direct deposit two days earlier, one day earlier, or on your scheduled payday. Here are some possible reasons you might not receive your deposit early:

  • You recently set up direct deposit for the first time.
  • Your deposit type is not eligible, such as a bank-to-bank transfer.
  • There’s a payroll system issue from your payer.
  • We didn’t receive your deposit notification before your scheduled payday. Early direct deposits also depend on timing—your payer must provide payment details early so the deposit can process early. If your deposit information doesn't arrive early, you can expect it to arrive on your regularly scheduled payday.

Will I see any other types of deposits early too (other than my paycheck)?
Yes! Any electronic transfer (ACH) that is sent to a checking, savings, or money market account at Advantis will be eligible to receive the deposit early. Also, if you get your tax refund, Advance Child Tax Credit, Social Security or unemployment through direct deposit, you’ll be eligible to get access to that money earlier as well.

What if I already have direct deposit with Advantis?
If you already have direct deposit set up with your Advantis account, you don’t need to lift a finger. We’ll simply get your money in your account sooner.

Can I choose to stop receiving my direct deposits early?
No, Early Payday is an automatic feature of direct deposits for Advantis checking and savings account, so you can get paid sooner.

Are savings accounts eligible for Early Payday?
Yes. Early Payday is available for all Advantis checking, savings, and money market accounts – all it takes is your direct deposit.

Are loan payments eligible for Early Payday?
No. Early Payday is only available for Advantis checking and savings accounts.

I have a loan with Advantis that is paid with my direct deposit. Will my loan be paid early?
No, because some loans have cycle days where loan payments are made based on your regular payday. This helps avoid issues with how your payment is applied.

Do other banks and credit unions offer early paycheck deposit?
A number of large national banks do offer some form of early deposit. But Advantis is proud to be leading the way among local credit unions to offer this terrific feature. And of course Advantis never charges for the great services our members have come to expect from us.

What if I only have a part of my paycheck coming to Advantis, can I still get my deposit early?
Yes. There are no dollar limits tied to this benefit, so all or part of your paycheck will be eligible for early deposit.

If my paycheck doesn’t arrive early, will I be reimbursed for NSF fees?
No. We are only able to deposit your funds when we are notified that the deposit is on its way.  Since the date and time of the deposit notification is determined by when your employer or government agency sends us the file, there is no guarantee of an early deposit or coverage of NSF fees resulting from your funds arriving on your actual payday.


Give yourself an Early Payday

Open an Advantis checking account, sign up for direct deposit, and enjoy your Early Payday.

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Already a member? Sign in to Online Banking to streamline your application.

Stop by an Advantis Branch

Call Advantis


(Mon-Fri, 8am -6pm)


Access to funds for Early Payday can be up to two days prior to date of scheduled pay­ment and is dependent on submission of direct deposit by payer.