Relax ... get paid up to two days early.

Once we're notified of an upcoming payroll direct deposit, we'll automatically credit your account early!

Early Direct Deposit** gives you access to your payroll direct deposit funds up to two business days early before the Automated Clearing House (ACH) settlement date.

If you currently have direct deposit, please be advise that after October 12, 2026 your deposit will post 1-2 days early with the new Early Direct Deposit feature. If you have any questions, please call us. We’re happy to help!

**Receive your paycheck up to 2 days early with your eligible Prearranged Payment and Deposit (PPD) into your checking and/or savings account. Select Seven does not guarantee early posting.

This service is free and no enrollment is required.

With Early Direct Deposit, you may get access to your payroll direct deposit funds up to two business days early. Access to your funds depends on when
Select Seven receives the payment file from your payor, usually your employer.

No. Early access to your payroll direct deposit is not guaranteed and may vary from one pay period to the next. Access to Early Direct Deposit depends on when Select Seven receives the payment file from your payor, usually your employer, and funds may be available up to two business days before the settlement date. Timing may also be affected by weekends and federal holidays.

The date that loan payment drafts and savings transfers process will not change. Please ensure you have enough funds available in your account to avoid any interruptions. Since Early Direct Deposit is up to two business days early and not guaranteed each pay period, be cautious about changing the date your transfer is processed. If your transfers have been setup based on your deposit they will process when your deposit posts to your account.

We want to help our members meet their financial needs. This includes providing earlier access to your money.

Early Direct Deposit applies to any direct deposits that are coded as Payroll, even from a government entity. Early Direct Deposit will also apply to some government deposits not coded as Payroll, such as Social Security Benefits. Since Early Direct Deposit is dependent on how the ACH is received, not all government deposits will apply.

You can check your account balance, view your transaction history, and set up alerts through Select Seven’s Online Banking or through the Select Seven Mobile app.