Receive your payroll, retirement or other ACH deposits up to two days early when you sign up for Early Pay. Early Pay is available for consumer accounts only. Once enrolled you have the option to opt-out at any time.
How Does Early Pay Work?
Upon your enrollment in the Early Pay feature, Union State Bank (Bank) may provide early funds availability for ACH credits of $10,000.00 or less, up to two (2) days prior to the scheduled settlement date.
Early availability is not guaranteed and may depend on various factors, such as the payor's submission timing. ACH credits are initiated by the payor and the Bank does not assume any responsibility for the timing or availability of an ACH credit not originated by the Bank.
Is There A Charge For Early Pay?
The Early Pay service is provided at no cost to Union State Bank customers.
What Types of Payments Are Eligible For Early Pay?
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Eligible ACH Payments:
- Payroll: Direct deposits from employers.
- Government Benefits: Payments like Social Security, retirement, and state unemployment benefits.
- Pensions: Recurring pension payments.
- Tax Refunds: Direct deposit of tax refunds.
- Other Payments: Other direct deposit may be eligible for Early Pay. Contact Us for more information.
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Ineligible ACH Payments (including but not limited to):
- Payments over $10,000.00
- Peer-to-Peer Payments: Funds from services like Zelle®.
- Checks or Mobile Deposits: Funds from checks or mobile deposits.
- Online Transfers: Online transfers to your account.
- Wire Transfers: Wire transfers are also not eligible.
How Do I Know If My Funds Were Deposited Through Early Pay?
Funds availability may be confirmed by calling the Bank or accessing account information online through Digital Banking.
Union State Bank reserves the right to revoke the Early Pay feature with or without notice. Revocation may result in later funds availability on recurring payments and the potential for overdraft fees.
How Do I Enroll Or Unenroll In Early Pay?
If you have questions, would like to enroll in or to unenroll from the Early Pay feature, you may:
- Call the Bank at 866.557.0060, Monday through Friday 8am - 5pm Central Standard Time
- Send us a secure message through Digital Banking
- Submit a contact request here.