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Early Pay Get paid up to 2 days early -- for Free!

You can now elect to receive your payroll direct deposit up to 2 days early — for Free!

You’re in Control.

Even better, you’re in full control of the Early Pay service. Deposit your funds early when you need them or let the funds post on your scheduled payday. It’s up to you.

It’s Easy.

Depositing your funds early is easy.

  1. Log in to your account.
  2. Review your pending ACH deposits.
  3. Click “Post Now” and the funds will be available in your account.

Don’t Have Direct Deposit?

Complete the Direct Deposit Authorization Form and give it to your employer’s HR contact or other payor for processing.

Get the mobile app for the best experience.

Download the mobile app now from the App store or Google Play for your best user experience 24×7.

Give it a try for your next ACH direct deposit.

With no fee for early access to your funds, there’s nothing to lose.



*Early Pay is only available for funds sent through the ACH (Automated Clearing House) system and is dependent on when COPFCU receives funds from the transmitter. Speak with a Representative for full details.