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Early Pay

You deserve your hard earned money sooner than later!

Get ready to enjoy a great benefit of credit union membership. Get paid early!

  • Get paid up to 2 days early.

  • Hand and money icon

    A free service with no hidden fees.

Frequently Asked Questions

You can get your paycheck, pension, Federal benefits early with direct deposit. That’s up to two more days to do more with your money. Stop waiting and start getting paid early.

We often receive ACH files/electronic payroll files up to two days prior to your direct deposit to let us know that the money is on the way. When this happens, we can reduce the extra processing time to get your money in your hands sooner.

No! You do not have to pay a fee to get paid early. Early paycheck is free service United Teletech provides to the entire membership who receives direct deposit.

As soon as your first direct deposit hits you are eligible to access those funds as early as two days.

It depends. You might get your direct deposit 2 days earlier, 1 day earlier or on your regularly scheduled payday. If there’s a payroll system issue from your payer, it can cause delay in posting your direct deposit.

Early direct deposits also depend on timing- your payer/employer/originator must provide payment details on time so the deposit can process early. If your deposit doesn’t arrive early, expect it to arrive on your scheduled payday.

You will have to reach out to your employer/payer to find out when they send the file. You may reference on your paystub to see posting date.

Have a question? We are here to help.

If you have questions about membership, our Member Care team is happy to help you.  Fill out our quick contact form here or stop by one of our convenient branch locations. You can also call us at (732) 530-8100 ext. 2530.


Early Pay makes it possible for a direct deposit to be available up to two business days early if you have a reoccurring qualifying direct deposit established with our institution. Early Pay is automatic and there is no fee for enrollment. Please note there is a possibility we may not receive your deposit information ahead of time from the ACH originator and may not be able to post your deposit early. In this case, your deposit will post on the scheduled posting date, as opposed to up to two business days early. Additionally, some direct deposit types may not be eligible. Federally insured by NCUA.