Early Pay

From pending to spending. Two days faster.

Introducing Early Pay, the newest way that CommunityAmerica is looking out for your financial wellbeing.

At CommunityAmerica, we’re always looking out for your financial wellbeing. We understand that a small shift in timing can create a little more space between what needs your attention now and what you’re working toward next.

With Early Pay, eligible direct deposits into your CommunityAmerica checking, savings or money market account can be available up to two days early.¹ That could include your paycheck, Social Security, pension and other recurring electronic deposits.

And the best part? There’s nothing extra to sign up for. If you already have an eligible direct deposit with CommunityAmerica, Early Pay happens automatically.¹

Because sometimes getting ahead doesn’t mean making a giant leap. Sometimes it just means getting what you’ve already earned a little sooner.

A little earlier can make a big difference.

Your money can start working for you before payday.

When CommunityAmerica receives information about an eligible incoming direct deposit, Early Pay makes those funds available to you right away — which could be up to two days before your scheduled payment date.¹

That means more flexibility to take care of what’s happening today, plan for what’s next or simply enjoy a little more breathing room. With Early Pay, you have access:

To eligible direct deposits up to two days early¹
With no enrollment required

How Early Pay Works

Your money is sent.

Your employer or other payor sends CommunityAmerica information about an upcoming direct deposit.

We see it coming.

We receive the deposit information before its scheduled payment date.

You get it sooner.

Instead of waiting for the scheduled date, we make the funds available earlier!

Don't have direct deposit yet?

Setting up direct deposit is an easy way to put payday on autopilot — and with Early Pay, your money could be available even sooner.

Set up direct deposit to an eligible CommunityAmerica checking, savings or money market account and Early Pay will automatically apply to qualifying deposits.*

View Tutorial

What is Early Pay?

Early Pay gives you access to eligible direct deposits as soon as CommunityAmerica receives the necessary payment information from the payor. Depending on when that information arrives, your money could be available up to two days before the scheduled payment date.¹

Do I need to enroll?

No. Early Pay is automatic for eligible direct deposits into qualifying CommunityAmerica checking, savings and money market accounts.

What types of deposits qualify?

Eligible deposits may include payroll, Social Security, pension and other electronic payments made through the ACH network.

Will my deposit always arrive two days early?

Not necessarily. How early your funds become available depends on when CommunityAmerica receives the payment information from your employer or other payor. That means the timing can vary from one deposit to another.

Does Early Pay cost anything?

There is no additional fee to receive eligible direct deposits early with Early Pay.

1 Early Pay. Early Pay provides early access to eligible electronic direct deposits when CommunityAmerica receives payment information from the payor before the scheduled payment date. Early access is not guaranteed and may vary based on when payment information is received. Eligible deposits and accounts are subject to CommunityAmerica requirements and Funds Availability Policy. In the event that funds are not actually deposited with CommunityAmerica, CommunityAmerica reserves the right to reverse the Early Pay amount from your account, which may bring your account negative. CommunityAmerica may modify, suspend, or discontinue Early Pay at any time. Additional terms and conditions may apply. IRA Savings and IRA Money Market accounts are not eligible for Early Pay.