Early Pay

Get Paid Up to 2 Days Sooner with Early Pay

Smarter Banking. Faster Paychecks.

With Early Pay from Union Bank, you can get paid up to two business days early when you receive eligible direct deposits. It’s a free, automatic feature that gives you faster access to your money—no enrollment required.

Union Bank’s Early Pay gives you more control over your cash flow:

  • Get paid sooner—up to two days before your regular payday
  • No sign-up required; Early Pay is applied automatically
  • Available with eligible direct deposits into consumer checking, savings and money market accounts
  • Free to use—no hidden fees or charges

Whether it's your paycheck, retirement income or government benefits like Social Security, Early Pay helps you stay a step ahead.

Early Pay is just one more way Union Bank supports your financial goals—helping you make, build and grow your money.

To take advantage of Early Pay, you’ll need to set up direct deposit for your payroll or benefits.

Contact your employer or benefits provider and request that your payments be sent to your Union Bank account. Once your eligible direct deposit is active, Early Pay may begin automatically.

Eligible deposits include:

  • Payroll direct deposits
  • Pension payments
  • Government benefit payments such as Social Security

Early Pay does not apply to:

  • Mobile, ATM or in-branch check deposits
  • Wire transfers
  • Peer-to-peer payments (e.g., Zelle®, Venmo)
  • External bank transfers
  • Internal transfers between Union Bank accounts
  • Debit card transactions

Early Pay allows eligible direct deposits to be credited to your account up to two (2) Business Days early, before we receive the funds from the payor. When funds are made available early, they will be reflected in your account's available balance. Early Pay is applied automatically to eligible direct deposits into consumer checking, savings, and money market accounts. There is no opt-out option. Direct deposits eligible for Early Pay include Automated Clearing House (ACH) credit transactions such as payroll, pension, or government benefit payments (such as Social Security). Early Pay does not apply to other deposits such as teller/ATM/mobile or remote deposits, wire transfers, digital banking/telephone transfers between accounts, external transfers from accounts at other financial institutions, peer-to-peer network payments (e.g. Zelle®, Venmo, Real Time Payments or FedNow), or debit card transactions. Whether we make the funds available early depends upon a number of factors, including but not limited to: 1) when we receive the payment data from the payor; 2) any limitations we set on the amount of early availability; and 3) fraud prevention monitoring. We do not guarantee early availability of eligible direct deposits, even if you have received this service in the past. Always verify that the funds are available in your account before spending them. If we've made funds available early and the payor reverses or requests a return of the deposit, or the funds are otherwise uncollected by us, you understand and agree that we may debit your account up to the amount of the deposit that was previously made available. In this instance, you would be responsible for any fees assessed, including any fees that may be charged by merchants or third parties. Except as expressly set forth herein, funds made available early are subject to the same terms and conditions as other deposits to your account. Early Pay is offered at our discretion, and we reserve the right to cancel the service at any time and without notice to you. If we do not make your deposit available early, it will be made available to you in accordance with our Funds Availability Policy. If you would like to take advantage of the Early Pay service and do not have direct deposit set up, you may contact your employer or benefits' provider to request direct deposit of your payroll, pension, or government benefit payments, if applicable.