EARLY PAY DAY

Why Wait for Payday?  

With Early Pay Day from Marion Community Bank, you can get access to your eligible direct deposits—like your paycheck—up to two business days early. No enrollment. No fee. Just a little extra breathing room. 

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How Early Pay Day Works  

When your employer (or payroll provider) sends us the details for your upcoming direct deposit, we may make your funds available up to two business days before your scheduled pay date. It happens automatically on eligible ACH direct deposits—no sign-up needed. No enrollment required: Included with eligible direct deposits. No fee: Early access is free for our customers. Automatic: Once we get the deposit info from your payor, we release funds early when possible. 

What to Expect  

If your employer sends the payroll file early, you may see the money up to two days sooner. If they send it later, your deposit will arrive on your regular payday. Early Pay Day isn’t guaranteed for every deposit—it depends on when we receive the payment information. 

What’s Eligible (and What Isn’t)  

Eligible:

• ACH direct deposits from employers or government payors (e.g., payroll, pensions, Social Security**)

Not Eligible:

• Banktobank transfers, wires, Zelle®, paper checks, mobile check deposits, or cash deposits

• Any deposits that aren’t ACH direct deposits If a deposit type isn’t eligible, we’ll post it on the normal schedule. 

Get Started in 3 Simple Steps  

• Open a checking account with Marion Community Bank (or use your existing one).

• Set up direct deposit with your employer or benefits provider.

• That’s it. When we receive your deposit info early, we’ll release the funds early. 

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Frequently Asked Questions

Friendly Reminder

• Early access to direct deposit funds depends on the timing of the payor’s payment instructions.

• Early Pay Day availability is not guaranteed and may vary by deposit.

• Early Pay Day applies to eligible ACH direct deposits only.


Disclosures:

* Early availability is not guaranteed and may vary by payer, payroll provider, weekends, federal holidays and account status. Eligible ACH direct deposits only.

* “Up to two business days early” refers to the period between when we receive your direct deposit information and your scheduled pay date.

** Government benefits may not always be sent early by the agency or processor; early availability varies.