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Early Payments


Now Available! Early Pay from UniBank


Early Pay from UniBank is now available! This means that funds being direct deposited into your UniBank checking, savings, and/or money market account may be made available in your account up to 2 days early1! Best of all, there are no fees and enrollment is automatic. 

  • Direct Deposit Funds Available Up to 2 Days Early
    • UniBank will make qualifying direct deposits2 available in your account up to 2 days early
  • Qualifying Direct Deposits2 include:
    • Paychecks
    • Government benefits
    • Tax Refunds
    • Military Pay
    • Pensions
  • Automatic Enrollment
    • All qualifying direct deposits will be automatically enrolled

Enroll in Direct Deposit! 

If you aren't enrolled in direct deposit with your employer or other payor, now is a great time to enroll so you can be eligible for Early Pay from UniBank. Enrolling is easy - you will need your UniBank account number and UniBank's routing number, which is 211372378. We have provided the below form to guide you in the process. Simply gather all the information listed on this form and work with your employer/payor to get direct deposit setup.

Enroll in Online and Mobile Banking

Enroll in Online Banking now! Online and Mobile Banking put your banking information at your fingertips so you can check monitor account activity, monitor direct deposits made with Early Pay from UniBank, check account balances, transfer funds, and more. 


Set Mobile Alerts

Once you're enrolled in Mobile Banking, you can use the Service Center to setup alerts. Use the "Large Electronic Check Posted" alert on the account you would like to monitor. View our Service Center Quick Start Guide for step-by-step instructions for setting up custom alerts. 


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 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 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 direct deposit payments always arrive early?
UniBank will make eligible 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 deposits may vary from one deposit to the next. This is cause by several varying factors:
  • The payer or your employer doesn't send payment information early.
  • Your deposit is not eligible (i.e. bank-to-bank transfers).
  • There is a payroll issue with your employer. 
  • 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 and savings accounts.