FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Coming SOON!
Available AUGUST 4, 2025
Starting August 4, 2025, we’re excited to offer Early Pay, a convenient and complimentary benefit that gives you access to qualifying Automated Clearing House (ACH) direct deposits, such as your paycheck or social security check, up to two days early.
Questions and Answers
What is Early Pay?
Early Pay is a free and automatic benefit. When we receive an incoming ACH deposit, we make those funds available to you right away, often up to two days early. There’s no need to enroll, opt in, or complete any additional steps. It just happens automatically.
How does Early Pay work?
Early Pay is automatic. If we receive your direct deposit early, we’ll credit your account up to two days before the scheduled date. While we always work to make funds available as soon as possible, availability depends on when we receive the deposit file from the payor. We can’t guarantee that the funds will always be available early because of actions the payor may take. If there’s a delay on their end, your funds will still post on the normal schedule.
Are there fees? What’s the catch?
Early Pay is completely free. This service is just one of the many ways we aim to make banking more convenient for you.
How do I know when my deposits arrive early?
Set up alerts in Digital Banking to notify you when a deposit is made to your account. Once you see that the deposit has posted early, those funds are available for you to use.
How does Early Pay help me?
Below are some key ways that Early Pay is a benefit to banking with PremierBank:
- Faster access to YOUR money. Your direct deposit, such as a paycheck or Social Security payment, arrives up to two days earlier than the scheduled date. This gives you more flexibility to handle day-to-day expenses or unexpected needs.
- Pay bills on time, or early. With funds arriving sooner, you can pay your bills ahead of schedule, helping you avoid late fees, penalties, or service interruptions.
- Reduce your need for short-term borrowing. Early access to your paycheck can help you potentially avoid overdrafts, cut back your reliance on credit card use, and limit the need for short-term loans between paydays.
We’re always looking for ways to make banking better for you. Early Pay is just one of the many customer-friendly features designed to support your financial well-being.
Please let us know if you have any questions about Early Pay by visiting with a Personal Banker at the location near you, or call 920-563-6616.
*Early Pay is automatic. If we receive direct deposit information ahead of the scheduled deposit date, we’ll credit your account early. Not all direct deposits are eligible for Early Pay. Eligible direct deposits are generally limited to electronic direct deposits such as your payroll, pension, and government benefit payments that are made through the Automated Clearing House (ACH) network. Most other deposits or credits to your account, such as deposits of funds from person-to-person payments services (e.g., SPIN, Zelle®, Venmo, or PayPal transfers), check or mobile deposits, instant payments processed through the RTP® network or FedNowSM service, and other online transfers are not eligible for Early Pay.
PremierBank does not guarantee that any direct deposits will be made available before the date scheduled by the payor, and early availability of funds may vary between direct deposits from the same payor. If a direct deposit is not made available early, it will be made available in accordance with our Funds Availability Disclosure.
If funds are made available early and the payor reverses or requests a return of the deposit, we may debit your account up to the amount of the deposit that was previously made available, even if funds have already been withdrawn or it results in your account being overdrawn. In such cases, you are responsible for any resulting fees, including those charged by merchants or other third parties due to the overdraft.
For interest-bearing accounts, interest on your incoming direct deposit will begin accruing on the business day PremierBank receives credit for the deposit from the payor’s bank. For example, if we make funds available to you through Early Pay two days early on Wednesday, interest on those funds will not begin accruing until the day we receive the funds from your payor, in this example on Friday.