Early Pay

Get access to funds up to 2 days earlier.

Early Pay

Why wait for payday? Get a jump start by receiving your funds up to 2 days early, with Early Pay from Insight Credit Union. No enrollment necessary and no fees for this service! Earlier direct deposits means more flexiblity and control of your money.

Get Paid Early

We may make your funds available as soon as we have the information about your incoming direct deposit, giving you direct access to your money up to two days earlier.

Not Just Paychecks

Eligible direct deposits also include payments like government benefits, tax refunds, military pay and pensions, and you can get it all faster with Early Pay.

No Need to Enroll

Early Pay is automatic on eligible direct deposits. Once we have the information about your incoming direct deposit, we'll make the funds available.

Stay Informed

Sign up for Alerts and get notified when you receive a direct deposit, including those that come early with Early Pay.

Don’t have Direct Deposit? Enroll today.

Having your paycheck deposited directly into your Insight checking or savings account is easy to set up. Simply provide your employer’s payroll representative with the necessary information. You’ll need the following:

  • Your account number
  • Insight's routing transit number (263181229)
  • Type of account (checking or savings)

Note: It may take one or two pay or benefit periods for Direct Deposit to go into effect.

How Early Pay Works

  • Get faster access to your funds. - Automatically get eligible direct deposits up to 2 days earlier. For example: Normally get paid on Friday? You may get your funds as soon as Wednesday.

  • Stay informed. - Get Alerts when funds are available. Sign up for Alerts and get notified when you receive a direct deposit including those that come early with Early Pay.

  • It’s really free. - Early Pay is a free service - $0 to enroll, $0 to get paid early.

  • Skip the hassle. - Early Pay comes standard on any personal Insight checking and savings accounts.

  • Plan ahead with earlier payments. - Do more with your money sooner, like getting a jump start on bills and accessing your funds when you need them most.

  • It’s more than just paychecks. - ​Eligible direct deposits also include military pay, government benefits, pensions, tax refunds and more.

  • How do I set up Direct Deposit? - It’s quick and easy. Make sure you have your account number, credit union routing number and type of account handy.

Additional Early Pay Resources

Get answers to Early Pay frequently asked questions. Early Pay FAQs (PDF)

Funds from eligible direct deposits may be made available for use up to two business days before the funds are received from a payor with Early Pay. There is no enrollment necessary and no fee for this service. Not all direct deposits are eligible for Early Pay. Eligible direct deposits may include electronic direct deposits such as payroll, pension, and government benefit programs, annuity payments, tax returns, and economy payments. Other deposits or credits to accounts, such as deposits of funds from person-to-person payment services (e.g. Zelle®), check or mobile deposits, and other online transfers are not eligible for Early Pay. Insight Credit Union does not guarantee that any direct deposits will be made available before the date scheduled by the payor, and early availability of funds may vary between direct deposits from the same payor.

When funds are made available early, they will be reflected in your account’s available balance. Whether funds are made available early depends on (1) when we receive the payor’s payment instructions, (2) any limitations set on the amount and frequency of early availability, and (3) standard fraud prevention screening.

Early Pay is offered at the discretion of Insight Credit Union. We reserve the right to withdraw Early Pay service at any time and without notice.