Log In
1-800-343-6328
Email UsReap the Rewards of Your Work— Get Your Paycheck Up to Two Days Sooner1
At America’s Christian Credit Union (ACCU), we believe your hard-earned money should work for you—sooner. That’s why we offer early pay, a powerful feature that gives you access to your paycheck up to two days early when you set up direct deposit with your employer.
Whether you’re budgeting for bills, planning for the weekend, or simply wanting peace of mind, early pay can help you stay ahead.
What is Early Pay with ACCU?
- Access your paycheck up to 2 days early
- No hidden fees or enrollment costs
- Works with most employers and government benefits
- Safe, secure, and automatic
How it Works
When your employer or benefits provider sends us notice of an upcoming deposit, we make those funds available to you as soon as we receive the notification—often up to two days before your scheduled payday.
No waiting. No hassle. Just early access to your money.
Who Can Use Early Pay?
Anyone with a personal ACCU checking account and direct deposit is eligible. Whether you’re receiving a paycheck, Social Security, or other recurring deposits, Early Pay is here to help you get ahead.
Benefits of Early Pay
- Stay ahead of bills and avoid late fees
- Reduce reliance on credit cards, or payday loans to bridge gaps
- Enjoy financial flexibility and peace of mind
- Perfect for families, students, and professionals
How to Enroll
- Open an ACCU Checking Account – If you’re not already a member, join today.
- Set Up Direct Deposit – Provide your employer with your ACCU routing and account number(s).
- Get Paid Early – Sit back and enjoy early access to your funds.
Join ACCU and Experience the Difference
With Early Pay, you’re not just getting paid faster—you’re gaining control over your finances. Join the thousands of members who trust ACCU to help them live with purpose and financial confidence.
Smart Banking, Elite Benefits
1 – Early Pay is a free feature available to members with eligible America’s Christian Credit Union (ACCU) personal checking and savings accounts with active direct deposit enrollment. ACCU may make certain direct deposits available up to two business days before we receive the funds from the payor, which is typically your employer. Early payment is not guaranteed and may vary between pay periods, as our ability to provide early access to funds depends on when we receive notice of payment from your payor. It is your responsibility to verify that funds are available in your account before spending them, and ACCU is not liable for overdrafts or fees resulting from the assumption of early fund availability. Not all direct deposits are eligible for this feature; eligible deposits are generally limited to U.S. domestic electronic direct deposits such as payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) network. Deposits that typically do not qualify include person-to-person payment services (e.g., Zelle®, Venmo, PayPal), mobile check deposits, instant payments via the RTP® network or FedNow® Service, wire transfers, and other online transfers. Early Pay does not apply to paper checks or non-ACH transactions. No fees are charged for Early Pay, though standard account fees may still apply. Early Pay is available for personal accounts only, and ACCU reserves the right to modify or discontinue this service at any time without prior notice. For more information, please contact our Member Services team at 800-123-4567 or visit your nearest branch.