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Introducing Early Direct Deposit

Get paid up to two days early with Early Direct Deposit

Providence Federal Credit Union (PFCU) now offers a way to get your paycheck up to two days early! You’ll automatically get paid sooner when you have a PFCU Checking or Savings account with direct deposit. Take advantage of the convenience and security of Direct Deposit and cross another item off your festive to-do list.

With Early Direct Deposit:

  • Get your funds up to two days early.*
  • No need to sign up. You’re automatically enrolled
  • It’s a free service.

It’s just another great benefit of being a PFCU member!

EARLY Direct Deposit SEtup

Open a PFCU Checking account and enjoy your money early.

Start living your best life…up to two days early

Our checking and savings accounts are packed with benefits! You’ll get a free debit card with access to over 120,000 surcharge-free ATMs, free personalized financial coaching, free bill pay, and more. And the best part? You’ll get paid up to two days early when you set up direct deposit with us. Direct deposits that may be received early include salaries, Social Security benefits, pensions, military payments, and VA benefits.


Ready to Join?

Not yet a member? It’s easy! Call us at (888) 849-5189, chat with us live, or click the button below to learn more about how you can be a member of PFCU.**

Once you’re a member, you’ll love the freedom of having your hard-earned money in your hands sooner, especially during the gift-giving season. Join today!


Frequently Asked Questions

You will need to follow up with your employer or payer to see when they have completed setting up your direct deposit. Once we receive your information from them, you’ll automatically be set up with Early Direct Deposit.

Your direct deposit must be set up as a recurring payment to be eligible for Early Direct Deposit. Salaries, Social Security benefits, pensions, military payments, VA benefits, and many other direct deposits qualify and are all included.

No, there is no fee. Early Direct Deposit is free for all members as a benefit of having a checking or savings account with us. 


Setting up direct deposit is easy! Speak to your HR department about setting up direct deposit. If you are a Providence employee, refer to this link for help setting up direct deposit in Genesis.

Once your direct deposit is set up, you’ll be automatically enrolled in Early Direct Deposit.

Not a thing! You are automatically enrolled. Just relax and enjoy early access to your funds. 


It’s important to note that we can only guarantee early deposits if your employer or payer provides payment details. Remember that this service depends entirely on receiving your direct deposit information early. If your deposit doesn’t arrive early, you can expect funds to be available on your scheduled payday. 


Early Direct Deposit is a free service that comes with your PFCU checking and savings accounts, in which we credit your eligible direct deposit transaction up to two business days early. There’s no enrolling or activating! If we receive your direct deposit information from your employer or payer early, we will deposit your funds into your account. If your deposit doesn’t arrive early, expect it to arrive on your scheduled payday.


Employers or payers may submit their direct deposit information at different times each pay period. Sometimes they may submit it one day early, and other times two days before. We don’t have control over the timing, unfortunately. However, you can sign up for alerts to be notified when you receive your direct deposit early.

To sign up for eAlerts, log into your Online Banking and select Settings in your profile, then Security and click Manage Alerts.

If you change jobs, you’ll need to set up direct deposit through your new employer.

Early Direct Deposit

Direct deposit saves you time and provides peace of mind knowing that your money is safely deposited – even if you’re on vacation.

Sign Up On Early Direct Deposit Page

**The Credit Union is federally insured by NCUA (National Credit Union Administration). Membership is required before utilizing any of our products and/or services. To join, simply open a Savings Account with just $5 to become a member. Loans are subject to credit approval. Rates are determined by an evaluation of applicant’s credit and may vary. Other restrictions may apply.