Early Pay

The best kind of early.

A present on Christmas Eve. The sunrise. Your paycheck, 2 days before you were expecting it. With Early Pay1, you can get access to your direct deposits up to two days early. All you need is a United checking account, savings account, or money market account.

For the morning people. And the rest of us.

No matter when or how you work, you’ve earned your money. We’ve implemented Early Pay to help you get it sooner. And Early Pay isn’t just for paychecks—it can also help with direct deposits like tax refunds, Social Security, dividends, retirement payments, and more.

Ready when you are.

There’s no 12-step process to follow or hoops to jump through—if you’re signed up for direct deposit, you’re automatically enrolled in Early Pay. Look forward to your first early payday1.

Know when to celebrate.

Set up alerts in online and mobile banking, and you’ll know the moment your money is in your account.

Don't have direct deposit? 

It takes just a few simple steps to set up. You can either ask your client advisor for assistance or follow the directions below:

1. Download the Direct Deposit Change form.
2. Fill out the form and attach a voided United Community Bank check.
3. Give the form to your employer or company providing your direct deposit.

Contact Your Client Advisor

A few more things to know about Early Pay:

What is Early Pay?
Early Pay is a free service that gives you access to qualifying direct deposits from participating employers or federal and state government payments up to two days early. Early availability timing is based on when United Community Bank receives the payment instructions.
There is no need to enroll and there's no additional cost—it’s automatic when you have qualifying direct deposits to your United Community Bank account.
What is direct deposit?
A direct deposit is an electronic transfer of funds from an organization such as your employer, a retirement plan or the Social Security Administration, directly to your checking account, savings or money market account. Direct deposit is a fast, convenient and safe alternative to paper checks.

Member FDIC. © 2022 United Community Bank
1Early Pay is a courtesy service provided by United Community Bank.  At our sole discretion, we may make funds available for certain direct deposits as soon as the payor notifies us of the payment. This means we can make your money available to you up to 2 days before we receive the funds from the payor.  Early availability of direct deposits is dependent on the timing of your payor’s payment instructions, fraud prevention overlays, and other restrictions. United Community Bank does not guarantee early availability of any direct deposits, and eligibility of a direct deposit for early availability may vary from deposit to deposit – including those from the same payor. Any direct deposit that is not posted early will otherwise be made available according to our funds availability schedule. We reserve the right to discontinue the early availability of direct deposit at our sole discretion and without any further notice to you.