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Early Payments


NOW AVAILABLE! Early Pay from UniBank


Receive your money faster with Early Pay from UniBank! This service will help improve the cashflow into your UniBank accounts. Early Pay from UniBank makes eligible ACH credits available in your account up to 2 days early1! Best of all, there are no holds, no fees, and enrollment is automatic. Early Pay gives you more control and flexibility. 


  • Improve Cash Flow:
    Eligible ACH credits2 may automatically be available up to 2 days earlier. 
  • Eligible deposits include:
    • Invoice payments
    • Government payments
    • Tax refunds
    • Investment dividends
    • Annuity payments
  • Automatic enrollment:
    This service is available automatically on any UniBank Checking, Savings, and/or Money Market account (business, consumer, government) - no enrollment required.

1 With Early Pay from UniBank, UniBank may make incoming electronic direct deposits made through the Automated Clearing House (ACH) available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early Pay from UniBank. 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.

2 Eligible direct deposits are limited to electronic direct deposits of items such as your payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) to your checking, savings, and/or money market 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 or electronic credits are not eligible for Early Pay from UniBank.

Frequently Asked Questions:

How does Early Pay from UniBank work?
As soon as UniBank receives information for eligible ACH Credits/Direct Deposit information from the payer, those funds will be available to you. 
Do I need to enroll in Early Pay from UniBank?
All UniBank checking and savings accounts are eligible for Early Pay. When eligible ACH Credits/Direct deposits are made into these account types, they are automatically enrolled in Early Pay. If you are enrolled in direct deposit, you are all set.
Will my ACH credits/Direct Deposit payments always arrive early?
UniBank will make eligible ACH Credits/Direct Deposit funds available to you as soon as we receive the payment information from the payer. This may be either 1 or 2 days earlier than your normally scheduled payday. Delivery of these credits may vary from one credit to the next. This is cause by several varying factors:
  • The payer doesn't send payment information early.
  • Your ACH Credit/Direct Deposit is not eligible (i.e. bank-to-bank transfers).
  • Other account limitations, such as fraud restrictions.
Are there any fees for Early Pay from UniBank?
There are no fees for Early Pay from UniBank.
Which types of accounts are eligible for Early Pay from UniBank?
Early Pay from UniBank is available on all checking, savings, and money market accounts.