Remote Deposit

Early Pay

Southwest 66 Credit Union Early Payday - Access your paycheck days earlier¹.

Early Payday gives you quicker access to your money so you can stay ahead of bills, everyday expenses, and unexpected costs with added confidence.

What is Early Payday?

Early Payday offers peace of mind and financial stability by helping you access funds as soon as they are made available to us. It can help you better manage your finances, avoid late fees or overdraft charges, and plan ahead with greater confidence.

With Early Payday, you may be able to cover immediate expenses such as bills, groceries, or unforeseen emergencies without waiting for your regular payday. This can be especially helpful when unexpected expenses arise or when the timing of bills falls before your scheduled pay date.

Why Members Love It

Access funds sooner
No fee to use the service
Helps with budgeting and cash flow
Useful for bills, groceries, and emergencies
Works with direct deposit

To start Early Pay, simply sign up for direct deposit with your employer...

Fill out a direct deposit form with your Southwest 66 deposit account information and specify where you would like your paycheck deposited.
Provide the completed form to your employer.
Enroll in automatic alerts using our mobile app to be notified as soon as your direct deposit is deposited into your account. Depending on your employer, it may take one or two pay cycles for direct deposit to become active.

FAQs

Is there a fee to use Early Payday? There is no fee associated with Early Payday. It is provided as a benefit when you set up Direct Deposit.
How long do I have to be a member to qualify for Early Payday? There is no waiting period or opt-in requirement. Early Payday begins as soon as members sign up for direct deposit with their employer.
How early will my Direct Deposit be available to me? We credit your account the day we receive notice of the incoming ACH for your direct deposit.

¹ Timing for deposit and availability depends on if and when your payor submits your information through the ACH system and on our standard fraud prevention screening.

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